Trees for credit


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Tress4Credit, a program initiated by Green Harmony, contributes to environmental conservation as well as income generation opportunities for the poor.

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  • Mission Green-Harmony stands to facilitate a decentralised bottom up movement leading to harmony and equity, by empowering people at grassroots, including women and the marginalised, and making them leaders and facilitators of change mobilising and supporting community organisations, students’ groups, women’s groups, civil society, media and governments to mitigate and adapt to environmental changes campaigning and advocating for equitable opportunities and fair access to natural resources and inspiring people, market and government institutions to offset environmental damages and conserve bio diversity, thereby maintaining ecological balances in the course of human progress through processes of action research, networking, collaborations and communication, which not only generates knowledge and demystifies technologies but also creates an encouraging socio political environment resulting in location specific initiatives for sustainable use of natural resources with local communities exercising harmonious control of it     Values Green- Harmony stands for the following values Accountability and Transparency Equal opportunities Participation of Stakeholders Respect traditional knowledge, culture and practices that are environment friendly Cooperation rather than conflict Respect to the nature’s balance of ecosystem
  • ACTION RESEARCH Green-Harmony will undertake action research in different geo cultural contexts, to develop location specific approaches and practices for a better model of human development that is harmonious with nature. Action research, for Green-Harmony, means learning from actions that are led by community members to address their most challenging issues and environmental changes, employing participatory processes. It will be an iterative learning process, generating knowledge for communities and facilitators alike. New approaches and technologies generated from this learning would be up scaled, but again with continuous monitoring and iterative learning for fine-tuning them. However, it is important to note that new approaches or technologies would not be always necessary to address many issues as traditional wisdom often has time tested answers. Therefore, the process of action research also involves identifying and reviving appropriate traditional practices and approaches through a participatory process.   NETWORKING AND COLLABORATIONS Sharing of knowledge and best practices is envisaged with networking and collaborations with community based institutions, nongovernmental organisations, development practitioners, academicians and government institutions. Green-Harmony will also become an active member of established networks in the broad area of environment and development. While active networking helps to avoid duplication of efforts in developing appropriate initiatives to address an issue, it would also result in collaborations for up scaling approaches or technologies that have been successfully experimented. However, it would be taken care to ensure only those initiatives that are appropriate for each geo cultural location are promoted while replicating best practices from a different context.   COMMUNICATION Since harmonious development would require appropriate and informed choices made by individuals as well as an encouraging socio political environment, Green-Harmony assigns prime importance for developing strategic tools for communication. Effective communications tools and materials including print media, multimedia and web tools will be developed targeting various stakeholders including policy makers, which would be supported by rigorous studies, participatory researches and field leanings
  • It is already piloted in Marankari in Kuttanadu….
  • It is already piloted in Marankari in Kuttanadu….
  • It is already piloted in Marankari in Kuttanadu….
  • During the year 10,81,474 SHG were credit linked with banks and bank loan of Rs.11,131.74 crore (including repeat loans) disbursed taking the number of SHG credit linked to Rs.47,07,415 SHG as on 31 March 2009. As on 31 March 2008, 50.09 lakh SHG maintained savings bank accounts and had savings worth Rs.3,785.39 crore. Page 40, NABARD annual repor t 2008-09  
  • Trees for credit

    1. 1. Trees for Credit
    2. 2. About Green Harmony NGO, registered under the Societies Registration Act XXI – 1860 on 4 th February, 2009. Works with Vulnerable communities Facilitates a decentralised bottom up movement leading to harmony and equity Vision Green-Harmony envisages a human development paradigm, which is harmonious to the nature with equal opportunities to all irrespective of place, caste, race, creed or gender.
    3. 3. Intervention Strategy Action Research Facilitate and engage stakeholders to develop location specific models of harmonious development Networking and Collaborations To fine tune and scale up best practices and innovative models Communication To sensitize people and policy makers for an environmentally harmonious development, based on learning from its interventions
    4. 4. Places of Intervention
    5. 5. Trees for Credit Background Tree Plantation and conserving environment has gained momentum with more and more NGO and government projects. ( An Enabling Environment ) But protecting such trees is found to be challenging ( An issue ) Those, particularly the poor, who are most affected with environmental problems are often excluded in developing strategies ( A need for Inclusion ) They are mostly ignorant about environmental issues , and climate change in specific ( A need for creating awareness ) Even though they contribute less to environmental degradation, they remain the most vulnerable ( A need for Capacity Development and Alternate Livelihood ) The poor, particularly the women, are often more sensitive to planting and protecting environment. ( An Opportunity )
    6. 6. Trees for Credit Concept Self Help Group Plants a certain number of Trees and protect them for a few months Loans made available to the SHG, to start an Income Generation Activity Interest of the loan waived based on survival rate of trees SHGs conserve the trees for a longer time, at least two years.
    7. 7. Trees for Credit Initial Results and Learning <ul><li>Successful in creating environment awareness </li></ul><ul><li>Considerable interest generated, with other SHGs demanding for similar projects </li></ul><ul><li>The SHG could start a small business </li></ul><ul><li>Enhancing Tree Cover </li></ul><ul><li>The program could work better with a professional MFI/ a skill trainer partnering. </li></ul><ul><li>When people are allowed to select trees they often choose trees that could provide intermediate benefits, such as fruit trees. </li></ul><ul><li>Since they themselves arranged saplings/ seeds, all species were local and natural, and resulted in maximum diversity </li></ul>
    8. 8. Trees for Credit Value & Potential One partnering SHG sequestrate 1 tonne carbon per year - It is equivalent to 1 CER, that cost around Rs.800 at present - There are more than 5 million SHGs with bank account in India Trees provides shade and cooling, for the participating communities as well as improves the ecosystem health and the climate Secondary Benefits from trees such as fruits, firewood and timber Environmental fund works for the benefit of the disadvantaged as well. (environmental projects enhances livelihood ) Effective and efficient protection of newly planted trees An excellent entry point to create environmental awareness and to initiate ‘adaptation’ at grassroots
    9. 9. Trees for Credit Trees 4 Credit online
    10. 10. THANK YOU