The document discusses Koperasi KASIH Indonesia's (KKI) efforts to help people in poverty achieve financial stability and a decent life. KKI operates in Cilincing, one of the poorest areas in Jakarta. Their initial work involved providing loans to 156 borrowers, mostly women supporting families on low incomes. KKI recognizes financial support alone is not enough and also provides financial education, savings programs, and other assistance. They have implemented risk management strategies like character checks, group accountability, and building close relationships to ensure loan repayment. The ultimate goal is to accelerate people out of poverty through improved income, skills, habits and mindset over the long term.
Samridhi Agri Products Pvt Ltd is a private company started in 2010 by a team of professionals with over 70 years of experience in microfinance, rural retail, banking and IT. It began operations in Deva Block of Barabanki, Uttar Pradesh, one of India's poorest districts, focusing on providing livelihood solutions to families with incomes less than 18 rupees per day. Currently, Samridhi procures over 1000 liters of milk per day from 234 rural women and has created 140 direct jobs. Its vision is to create livelihoods for 100,000 families across 1000 villages by 2017.
Final Conference Workshop 2: Policies - Facilitator: Bert MulderLinks-up
The document discusses the need for learning 2.0 policy development due to changing demographics and an aging population. It raises four key questions for policymakers: 1) Is learning 2.0 an essential catalyst for a vital society? 2) What are the greatest challenges to stimulating uptake of learning 2.0? 3) What approach should policy take regarding level, partners, and form? 4) What advice do policymakers need regarding time, tempo, scope and reach? The document argues that learning 2.0 using web 2.0 tools is needed to address challenges from a declining workforce and can empower all people through access to knowledge and skills development.
The Disability Office of the Spanish National University for Distance Learning (UNED) manages an online community for students with disabilities. The purpose is to offer an interactive student community where information on projects, approaches, methods, accomplishments, and proposals can be exchanged...
«56% компаний, пользующихся аутсорсинговыми услугами, считают, что это экономит деньги, и еще 44% видят в аутсорсинге другие преимущества, в частности, возможность использовать опыт сотрудников аутсорсинговых компаний и сконцентрироваться на ключевых бизнес-компетенциях...»
Jak vyvinout úspěšnou aplikaci pro Google Glass (Martin Pelant, eMan)eMan s.r.o.
Přednáška Martina Pelanta o vývoji mobilních aplikacích pro Google Glass se uskutečnila 19.8.2014 ve spolupráci s IDE Prague. Odkaz na FB událost: https://www.facebook.com/events/912995792048693/
Labels in Gmail allow messages to have multiple categories, unlike folders which restrict a message to one folder. To create a label, click "Create New Label" and then select a message and click on the label to categorize it. Labels can also be used to organize email by changing the color of different labels.
New diamond composite ultrahard material for drilling of hard rocks (Sobolev)Sergey Sobolev
Bakul Institute for Superhard Materials (National Academy of Sciences of Ukraine) and Prokhorov Institute of General Physics (Russian Academy of Sciences) developed hybrid ultrahard polycrystalline composite material (UHM) with a polycrystalline diamond grown by CVD method (CVD diamond).
Samridhi Agri Products Pvt Ltd is a private company started in 2010 by a team of professionals with over 70 years of experience in microfinance, rural retail, banking and IT. It began operations in Deva Block of Barabanki, Uttar Pradesh, one of India's poorest districts, focusing on providing livelihood solutions to families with incomes less than 18 rupees per day. Currently, Samridhi procures over 1000 liters of milk per day from 234 rural women and has created 140 direct jobs. Its vision is to create livelihoods for 100,000 families across 1000 villages by 2017.
Final Conference Workshop 2: Policies - Facilitator: Bert MulderLinks-up
The document discusses the need for learning 2.0 policy development due to changing demographics and an aging population. It raises four key questions for policymakers: 1) Is learning 2.0 an essential catalyst for a vital society? 2) What are the greatest challenges to stimulating uptake of learning 2.0? 3) What approach should policy take regarding level, partners, and form? 4) What advice do policymakers need regarding time, tempo, scope and reach? The document argues that learning 2.0 using web 2.0 tools is needed to address challenges from a declining workforce and can empower all people through access to knowledge and skills development.
The Disability Office of the Spanish National University for Distance Learning (UNED) manages an online community for students with disabilities. The purpose is to offer an interactive student community where information on projects, approaches, methods, accomplishments, and proposals can be exchanged...
«56% компаний, пользующихся аутсорсинговыми услугами, считают, что это экономит деньги, и еще 44% видят в аутсорсинге другие преимущества, в частности, возможность использовать опыт сотрудников аутсорсинговых компаний и сконцентрироваться на ключевых бизнес-компетенциях...»
Jak vyvinout úspěšnou aplikaci pro Google Glass (Martin Pelant, eMan)eMan s.r.o.
Přednáška Martina Pelanta o vývoji mobilních aplikacích pro Google Glass se uskutečnila 19.8.2014 ve spolupráci s IDE Prague. Odkaz na FB událost: https://www.facebook.com/events/912995792048693/
Labels in Gmail allow messages to have multiple categories, unlike folders which restrict a message to one folder. To create a label, click "Create New Label" and then select a message and click on the label to categorize it. Labels can also be used to organize email by changing the color of different labels.
New diamond composite ultrahard material for drilling of hard rocks (Sobolev)Sergey Sobolev
Bakul Institute for Superhard Materials (National Academy of Sciences of Ukraine) and Prokhorov Institute of General Physics (Russian Academy of Sciences) developed hybrid ultrahard polycrystalline composite material (UHM) with a polycrystalline diamond grown by CVD method (CVD diamond).
PDHPE plays an important role in Australian schools by educating students to lead healthy, active lives and become healthy future citizens. As obesity and inactivity rise in Australia, PDHPE teaches students the skills, knowledge, and values they need to make responsible choices about their health. A strong PDHPE program can help students adopt roles in society that are productive and contribute to addressing health issues facing the country.
This document discusses a new study that explains how marijuana impairs short-term memory. The study found that tetrahydrocannabinol (THC), the active ingredient in marijuana, causes long-term depression at neuronal connections in the hippocampus by inducing the removal of AMPA receptors from neuronal membranes. This process is controlled by astrocytes, a type of glial cell in the brain that was previously thought to play a minor role but is now understood to significantly contribute to information processing and cognitive functions in the brain.
Men have traditionally been portrayed in art and design to convey power, prestige, and social status. From 14th century armor and clothing to modern suits and architecture, embellishments and postures communicate strength, wealth, and leadership. Kanye West and Winston Churchill are depicted in ways that position them as powerful figures through their dress and surroundings.
The narrator provides a summary of their gameplay with the Vega family in Arbor Watch over 5 in-game days of spring. Key events include Abby's birthday where she ages into a teen, Komei opening a new clothing store business, renovating the family home to accommodate their growing household, and Amber's bookstore reaching the top business level. The family earns enough money to improve their financial situation and expand their businesses in the community.
Final Conference: Project Results presentation by Joe CullenLinks-up
The document summarizes the results of several validation experiments conducted as part of the LINKS-UP project. The experiments tested the use of Web 2.0 tools to support inclusive lifelong learning. Key findings include:
1) Web 2.0 improved skills like digital literacy, media skills, and soft skills for participants and helped connect people.
2) Challenges included lack of institutional buy-in, measuring learning gains, and ensuring participation of target groups.
3) Sustainability of projects beyond the initial funding was difficult without cooperation between organizations.
4) Web 2.0 shows potential as a catalyst for lifelong learning but each project is dependent on its specific social and economic context.
This technical training document outlines organizational tools for realtors to improve efficiency, including setting up a Google Apps for Work account to organize email, contacts and calendars, using Google Drive to store and share documents and forms, using Insightly to manage client relationships, creating email campaigns, and keeping notes and research in Evernote notebooks.
The document contains a series of photos of individuals and groups of children with their names listed below each photo. There are photos of Koevy modeling eating skills, Nikhil and Diane together, Ebony holding a sandwich, Riki and Krishaan, Yaswanth playing ball, Jared and Jai, Julius about to jump, Emma and Jai looking tough, Isaiah, Ayesha and Shreha, Jai and Liam with Koevy's hand in the photo, and Diane, Brittney, Tiana and Star, with a closing message saying "See you soon 4HL!"
El informe de conclusiones resume los reglamentos y normas que deben seguir los aprendices del Instituto SENA durante su formación. Explica los derechos y deberes de los aprendices, así como las faltas disciplinarias y académicas. También cubre temas como la convivencia, los procesos académicos, y las responsabilidades de los instructores y líderes de aula. La autora Angie Paola Rodriguez Ortiz se compromete a cumplir con todas las reglas establecidas por el SENA para aprovechar al máximo su
Este documento fornece um resumo dos recursos informacionais e serviços disponíveis na Biblioteca da Escola de Educação Física da USP. Apresenta detalhes sobre o acervo, serviços como empréstimos e acesso remoto, além de portais e bases de dados disponíveis para pesquisa.
Presentation of W@ve 2.0 – Meeting the Social Needs of Senior Citizens through Web 2.0 Technologies (www.wave2project.eu) given by Peter Bartal from MFKK Invention and Research Center Services, Hungary during the Links-up Final Conference in Budapest in September 2011.
The document discusses how three marketing products - a music video, digipack, and magazine advert - were designed to effectively promote an artist using similar visual elements. Specifically:
1) The music video, digipack, and advert all used the same outdoor leafy location, costumes, makeup, and text design to create uniform branding for the quirky artist.
2) Bright colors, revealing outfits, and contrasting low lighting in the products were intended to convey the artist's wild, psychotic personality.
3) Close-ups and extreme close-ups of the artist were featured across products to develop a motif and make the representation more personal for the target young, female audience.
Chapter 1 Putting a Face on Poverty Dee· Victim of Domestic.docxsleeperharwell
Chapter 1: Putting a Face on Poverty
Dee
· Victim of Domestic Violence
· Grew Up In a Impoverished Home
· Economically, Socially & Spiritually
· Use of Social Services to get back on her feet
· Cycle of Impoverished Issues in Her Family
· Alcohol abuse
· Drug abuse
· Doesn’t wish to be dependent on welfare
· Too proud to complain
· Has previous work experience
· Views working as a must to take advantage
· Been out of work for so long
· No Computer Experience
· Dee is willing to work in fast food
· $900 per month
· Other jobs are hard to find
· Kept below a certain amount of hours
· Boss didn’t want to pay for fringe benefits
· Working without healthcare and has a child
Dee’s Poverty
· Makes about $11K/yr
· Below poverty index
· Lives in Trailer Park
· All she could afford
· That’s still $425 a month
· Neighborhood not so great
· No Health Insurance
· Clare left home while Dee works
· Situation makes welfare an option
· Works hard but hard work is getting her no where
Low Wage/Minimum Wage & Poverty
· Full time minimum wage keeps you below poverty
· $10, 712/yr
· 2K below poverty index for family of 2
· 4K below poverty index for family of 4
· Low wage workers are disproportionately female, minority and young without a college education
· Single parent homes
· Work non standard work shifts/schedules
· Greatly impacts single parent households (esp women)
· Non standard schedules are mandatory for certain jobs
· Cashiers, maids, nursing aids, cooks, retail, fast food
· No job security
· Turnover is high
Childcare for Working Poor
· Income is low though childcare is expensive
· 40% of working poor families spend more than half of their income on childcare
· 23% of working poor families spend more than 50% of income of childcare
· Children left home to care for themselves
Kate
· Married with two children
· Children born back to back
· Assistant manager who earned $1700/mo
· Daycare was $1200/mo
· Kate quit her job; husband began working overnight
· Stress ensues
· Divorced
· Goes back to work
· Making $4 less than she previously did
· Rent takes up half her income
· Receives child support
· $600 per month
· Only comes sporadically though
· Sold her car to help pay bills
· Applied for welfare and Medicaid
· Turned down for earning too much
· Couldn’t get health insurance at job because she hadn’t been there for a year
· Applied for subsidized housing
· Waiting list was two years
· Would have to move into housing project
· Safety concerns
· Son would have to go to a new school
Child Support
· Non custodial parent have legal obligation to support children financially
· Usually not a lot
· 40% of single parents receive no support
· Full amount is hardly ever paid
· Even though less than 10% of fathers who work live below the poverty line
Poverty & Transportation
· Transportation plays an essential role in finding and keeping employment
· Barrier to those in poverty
· Can’t aff.
Under-discussed challenges of dementia home care in India (Ardsicon2017)Swapna Kishore
This document discusses under-discussed challenges related to dementia home care in India. It focuses on four key topics: financial problems, situations where caregivers have a history of past abuse, lack of support for understanding and acting on a diagnosis, and lack of support for late-stage dementia care. For financial problems, it notes that dementia care costs are unaffordable for most Indian families and discusses how caregiving responsibilities often force family members to reduce or quit their income sources. It also discusses how a history of past abuse between the caregiver and person with dementia can complicate the caregiving relationship and challenges caregivers may face in these situations if this topic remains undiscussed. The document calls for more open discussion of
20120502 welfare reform tenant conference final (2)nlhomes
The document summarizes upcoming changes to the UK welfare system that will impact many tenants, including the introduction of Universal Credit (a single monthly benefit payment), cuts to housing benefits for those deemed to have excess bedrooms ("bedroom tax"), and other reforms. The housing association discusses identifying at-risk tenants and providing support services around budgeting, banking, rent payments, downsizing, and partnerships with other organizations to help tenants navigate the changes. Case studies provide examples of how specific tenants may be impacted.
The document summarizes major changes to the UK welfare system being introduced from 2013, including the rollout of Universal Credit (a single monthly benefit payment), cuts to housing benefit for those deemed to underoccupy their homes, and other benefit reductions. It discusses the potential impacts on tenants, such as difficulty managing monthly budgets or paying rent arrears. The housing association outlines steps it is taking to support tenants, such as identifying vulnerable households, providing budgeting assistance, and helping tenants downsize or find lodgers.
1. The document discusses poverty in India through the stories of two families - Ram Saran, a daily wage laborer in Jharkhand, and Lakha Singh, a landless farmer in Uttar Pradesh.
2. It outlines the multi-dimensional nature of poverty, which includes lack of food, healthcare, education, and stable income or employment.
3. The government of India has implemented various anti-poverty programs focused on employment generation, food security, and self-employment schemes. However, reducing poverty remains a significant challenge due to disparities between rural and urban areas.
This document summarizes a 2-year research project on financial inclusion and debt in Teesside, UK. The project included household interviews and a mentoring scheme. Key findings include that credit is used to smooth incomes for basic needs and social events. Debt levels are normalized in communities and credit is seen as the only option. Households juggle multiple debts and feel a lack of control over finances. Getting credit enables participation in consumer society and purchasing social inclusion. Alternatives discussed include credit unions and potential caps on credit costs.
PDHPE plays an important role in Australian schools by educating students to lead healthy, active lives and become healthy future citizens. As obesity and inactivity rise in Australia, PDHPE teaches students the skills, knowledge, and values they need to make responsible choices about their health. A strong PDHPE program can help students adopt roles in society that are productive and contribute to addressing health issues facing the country.
This document discusses a new study that explains how marijuana impairs short-term memory. The study found that tetrahydrocannabinol (THC), the active ingredient in marijuana, causes long-term depression at neuronal connections in the hippocampus by inducing the removal of AMPA receptors from neuronal membranes. This process is controlled by astrocytes, a type of glial cell in the brain that was previously thought to play a minor role but is now understood to significantly contribute to information processing and cognitive functions in the brain.
Men have traditionally been portrayed in art and design to convey power, prestige, and social status. From 14th century armor and clothing to modern suits and architecture, embellishments and postures communicate strength, wealth, and leadership. Kanye West and Winston Churchill are depicted in ways that position them as powerful figures through their dress and surroundings.
The narrator provides a summary of their gameplay with the Vega family in Arbor Watch over 5 in-game days of spring. Key events include Abby's birthday where she ages into a teen, Komei opening a new clothing store business, renovating the family home to accommodate their growing household, and Amber's bookstore reaching the top business level. The family earns enough money to improve their financial situation and expand their businesses in the community.
Final Conference: Project Results presentation by Joe CullenLinks-up
The document summarizes the results of several validation experiments conducted as part of the LINKS-UP project. The experiments tested the use of Web 2.0 tools to support inclusive lifelong learning. Key findings include:
1) Web 2.0 improved skills like digital literacy, media skills, and soft skills for participants and helped connect people.
2) Challenges included lack of institutional buy-in, measuring learning gains, and ensuring participation of target groups.
3) Sustainability of projects beyond the initial funding was difficult without cooperation between organizations.
4) Web 2.0 shows potential as a catalyst for lifelong learning but each project is dependent on its specific social and economic context.
This technical training document outlines organizational tools for realtors to improve efficiency, including setting up a Google Apps for Work account to organize email, contacts and calendars, using Google Drive to store and share documents and forms, using Insightly to manage client relationships, creating email campaigns, and keeping notes and research in Evernote notebooks.
The document contains a series of photos of individuals and groups of children with their names listed below each photo. There are photos of Koevy modeling eating skills, Nikhil and Diane together, Ebony holding a sandwich, Riki and Krishaan, Yaswanth playing ball, Jared and Jai, Julius about to jump, Emma and Jai looking tough, Isaiah, Ayesha and Shreha, Jai and Liam with Koevy's hand in the photo, and Diane, Brittney, Tiana and Star, with a closing message saying "See you soon 4HL!"
El informe de conclusiones resume los reglamentos y normas que deben seguir los aprendices del Instituto SENA durante su formación. Explica los derechos y deberes de los aprendices, así como las faltas disciplinarias y académicas. También cubre temas como la convivencia, los procesos académicos, y las responsabilidades de los instructores y líderes de aula. La autora Angie Paola Rodriguez Ortiz se compromete a cumplir con todas las reglas establecidas por el SENA para aprovechar al máximo su
Este documento fornece um resumo dos recursos informacionais e serviços disponíveis na Biblioteca da Escola de Educação Física da USP. Apresenta detalhes sobre o acervo, serviços como empréstimos e acesso remoto, além de portais e bases de dados disponíveis para pesquisa.
Presentation of W@ve 2.0 – Meeting the Social Needs of Senior Citizens through Web 2.0 Technologies (www.wave2project.eu) given by Peter Bartal from MFKK Invention and Research Center Services, Hungary during the Links-up Final Conference in Budapest in September 2011.
The document discusses how three marketing products - a music video, digipack, and magazine advert - were designed to effectively promote an artist using similar visual elements. Specifically:
1) The music video, digipack, and advert all used the same outdoor leafy location, costumes, makeup, and text design to create uniform branding for the quirky artist.
2) Bright colors, revealing outfits, and contrasting low lighting in the products were intended to convey the artist's wild, psychotic personality.
3) Close-ups and extreme close-ups of the artist were featured across products to develop a motif and make the representation more personal for the target young, female audience.
Chapter 1 Putting a Face on Poverty Dee· Victim of Domestic.docxsleeperharwell
Chapter 1: Putting a Face on Poverty
Dee
· Victim of Domestic Violence
· Grew Up In a Impoverished Home
· Economically, Socially & Spiritually
· Use of Social Services to get back on her feet
· Cycle of Impoverished Issues in Her Family
· Alcohol abuse
· Drug abuse
· Doesn’t wish to be dependent on welfare
· Too proud to complain
· Has previous work experience
· Views working as a must to take advantage
· Been out of work for so long
· No Computer Experience
· Dee is willing to work in fast food
· $900 per month
· Other jobs are hard to find
· Kept below a certain amount of hours
· Boss didn’t want to pay for fringe benefits
· Working without healthcare and has a child
Dee’s Poverty
· Makes about $11K/yr
· Below poverty index
· Lives in Trailer Park
· All she could afford
· That’s still $425 a month
· Neighborhood not so great
· No Health Insurance
· Clare left home while Dee works
· Situation makes welfare an option
· Works hard but hard work is getting her no where
Low Wage/Minimum Wage & Poverty
· Full time minimum wage keeps you below poverty
· $10, 712/yr
· 2K below poverty index for family of 2
· 4K below poverty index for family of 4
· Low wage workers are disproportionately female, minority and young without a college education
· Single parent homes
· Work non standard work shifts/schedules
· Greatly impacts single parent households (esp women)
· Non standard schedules are mandatory for certain jobs
· Cashiers, maids, nursing aids, cooks, retail, fast food
· No job security
· Turnover is high
Childcare for Working Poor
· Income is low though childcare is expensive
· 40% of working poor families spend more than half of their income on childcare
· 23% of working poor families spend more than 50% of income of childcare
· Children left home to care for themselves
Kate
· Married with two children
· Children born back to back
· Assistant manager who earned $1700/mo
· Daycare was $1200/mo
· Kate quit her job; husband began working overnight
· Stress ensues
· Divorced
· Goes back to work
· Making $4 less than she previously did
· Rent takes up half her income
· Receives child support
· $600 per month
· Only comes sporadically though
· Sold her car to help pay bills
· Applied for welfare and Medicaid
· Turned down for earning too much
· Couldn’t get health insurance at job because she hadn’t been there for a year
· Applied for subsidized housing
· Waiting list was two years
· Would have to move into housing project
· Safety concerns
· Son would have to go to a new school
Child Support
· Non custodial parent have legal obligation to support children financially
· Usually not a lot
· 40% of single parents receive no support
· Full amount is hardly ever paid
· Even though less than 10% of fathers who work live below the poverty line
Poverty & Transportation
· Transportation plays an essential role in finding and keeping employment
· Barrier to those in poverty
· Can’t aff.
Under-discussed challenges of dementia home care in India (Ardsicon2017)Swapna Kishore
This document discusses under-discussed challenges related to dementia home care in India. It focuses on four key topics: financial problems, situations where caregivers have a history of past abuse, lack of support for understanding and acting on a diagnosis, and lack of support for late-stage dementia care. For financial problems, it notes that dementia care costs are unaffordable for most Indian families and discusses how caregiving responsibilities often force family members to reduce or quit their income sources. It also discusses how a history of past abuse between the caregiver and person with dementia can complicate the caregiving relationship and challenges caregivers may face in these situations if this topic remains undiscussed. The document calls for more open discussion of
20120502 welfare reform tenant conference final (2)nlhomes
The document summarizes upcoming changes to the UK welfare system that will impact many tenants, including the introduction of Universal Credit (a single monthly benefit payment), cuts to housing benefits for those deemed to have excess bedrooms ("bedroom tax"), and other reforms. The housing association discusses identifying at-risk tenants and providing support services around budgeting, banking, rent payments, downsizing, and partnerships with other organizations to help tenants navigate the changes. Case studies provide examples of how specific tenants may be impacted.
The document summarizes major changes to the UK welfare system being introduced from 2013, including the rollout of Universal Credit (a single monthly benefit payment), cuts to housing benefit for those deemed to underoccupy their homes, and other benefit reductions. It discusses the potential impacts on tenants, such as difficulty managing monthly budgets or paying rent arrears. The housing association outlines steps it is taking to support tenants, such as identifying vulnerable households, providing budgeting assistance, and helping tenants downsize or find lodgers.
1. The document discusses poverty in India through the stories of two families - Ram Saran, a daily wage laborer in Jharkhand, and Lakha Singh, a landless farmer in Uttar Pradesh.
2. It outlines the multi-dimensional nature of poverty, which includes lack of food, healthcare, education, and stable income or employment.
3. The government of India has implemented various anti-poverty programs focused on employment generation, food security, and self-employment schemes. However, reducing poverty remains a significant challenge due to disparities between rural and urban areas.
This document summarizes a 2-year research project on financial inclusion and debt in Teesside, UK. The project included household interviews and a mentoring scheme. Key findings include that credit is used to smooth incomes for basic needs and social events. Debt levels are normalized in communities and credit is seen as the only option. Households juggle multiple debts and feel a lack of control over finances. Getting credit enables participation in consumer society and purchasing social inclusion. Alternatives discussed include credit unions and potential caps on credit costs.
Similar to Presentasi Leon Kamilius SxC Summit (6)
1. The collective journey
towards a decent, happy life
Presentation at StudentsxCEOs Summit
Bandung, June 4, 2011
2. Our vision
To help as many people as possible to exit
financial difficulties and achieve a decent
and happy life. Financial difficulties include
having low income, lacking of financial
management capability and access to capital
‘KASIH’ (LOVE) is the
foundation of what we do
SOURCE: KKI Koperasi KASIH Indonesia | 2
3. We chose Cilincing – one of the poorest area in Jakarta – as our pilot project
North Jakarta
Jakarta map
Poor household location split
Percent (100% = 67,104 households)
Cilincing
• Sub-district Cilincing contributes ~1/3 of poor
households (~19,000) in North Jakarta
• Kalibaru in Cilincing is one of the poorest
kelurahan in North Jakarta, with ~8,400 poor
households (83% from total)
SOURCE: Republika.co.id (Nov 26, 2010), KKI Koperasi KASIH Indonesia |
4. To date, we have been supporting 156 borrowers; They are typically a mother of
≥ 2 children, rent their house and earn monthly income of IDR 200-400k/person
To date, we have been supporting 140 borrowers …
… With following typical traits
Loan usage split Borrowers’ gender split
Percent (100% = 156) Percent (100% = 156) • Woman aged 30-50
3% • Married with ≥ 2 children, mostly
still in school
• Husband has low income or
Women
jobless
Men
• Rent a house/room
97%
• Family income of IDR 200-400k/
person/month
Other statistics • Own a TV, but no motorcycle/
% of client with income < 2 $/day : 96% refrigerator/ washing machine
Total disbursed loan : IDR ~90 million • Had borrowed from loan shark
Average loan/client : IDR ~580,000 • Do not have long-term
Clients’ savings collected : IDR ~7 million savings, only arisan* or
Non performing loan : 0% Achieved Ramadhan savings
Portfolio at Risk (PAR>30) : 0.7% without joint
Clients at Risk : 1 person responsibility
* Arisan is a group-based saving system, where one stored money regularly within a certain period and get the result in bulk, once within aperiod
SOURCE: KKI Koperasi KASIH Indonesia | 4
5. Ibu Ndih is an example of our typical client
Facts on Ibu Ndih
Aged 50, married with 6 children*
Sells cookies, cooking tools, collect
plastic trash at free time
Working 7 days/week, sleep 3
hours/day (from 23.00 – 01.00)
Husband works as freelance
construction worker
Rent a house, 6 x 6 meters
• Family income of IDR 200 – 300k
/person/month
• Only own a TV, no motorcycle/
refrigerator/ washing machine
• Participating in small social lottery
(‘arisan’) and Ramadhan savings
* 4 married, 2 still lives with her; She also cover some costs of her grandchildren
SOURCE: Jakarta Globe, KKI Koperasi KASIH Indonesia | 5
6. KKI holds a basic belief that giving loan is helpful but insufficient to really help
someone to exit poverty. Education and other supports are also essential.
Dream
Decent & happy life for all ☺
Goals Better income + capability + habits + beliefs = more assets & opportunities
1 2 3
Financial Education Supports
• Loan paid • Savings- • Bulk
weekly related purchasing of
Pillars and (majority), basic needs
foundation for • Business-
daily and related • Incidental
goals attainment
monthly supports, e.g.,
• Lifestyle &
• Savings facility habit-related after a fire
Continuous motivation and beliefs internalization
Starting point Current assets + income + capability + habit + beliefs
SOURCE: KKI Koperasi KASIH Indonesia | 6
7. We applied a multi-layered risk management system
Control applied
• Applicant’s character is checked during survey. Any doubt over a
person’s honesty will lead into application’s rejection
Selection
control • Survey result is then checked with current borrowers. Concern from
most borrowers will also lead into application’s rejection
• KKI provides many incentives (increase in loan amount, chance to get
housing and educational loan, various prizes and opportunities and
Individual
control some sanctions (legal process, family ban and locking of access to
other microfinance institutions)
• KKI started to apply joint responsibility (tanggung renteng) from the
141st borrowers onwards. Dishonest people might not get a group
Group control • It covers risk from (1) cash flow problem and (2) default loan, while
forcing members to collaborate and support each others
• Discipline applied in all interaction with KKI will help to control
Intangible subconscious part of borrowers to repay their loan
control • Proximity with Field Officers and branch’s staffs also reduces
possibility of defaulting
SOURCE: KKI Koperasi KASIH Indonesia |
8. Some of KKI moments ☺
Pre-disbursement training Disbursement
Games in 1st weekly meeting Winners got prizes!!!
SOURCE: KKI Koperasi KASIH Indonesia | 8
9. We are building a solid foundation in the 1st year to enable future acceleration
Full roll-out: Let’s go!
2nd pilot: Rural poor area
Building a solid foundation Year 3
Year 2
Year 1
Focus • Stress-test systems, • Develop 2nd office in 1 • Open 3rd and 4th offices
products, policies and rural poor area • Raise funding
curriculum • Raise funding • Develop strong talent
• Identify and develop talents • Identify and develop talents pool
• Establish legal entity • Improve systems further • Improve systems further
• Raise funding
Target 700 borrowers
99% performing loan
5,000 borrowers in the end of year 3
1% PAR at risk > 30 days
98% performing loan
IDR 50mn savings collected
Other targets will be defined in the
IDR 700mn funding raised
end of year 1
8 full-time field officers, 1
admin and treasurer hired,
and independently working
SOURCE: KKI Koperasi KASIH Indonesia | 9
11. 3 words to summarize my opinion on Indonesia’s microfinance industry:
BIG, FRAGMENTED and EXPLODING
Description Reason/source
• The pie size is just too big to • UKM Center FE UI reported on
be served by one player; It is 2008 that there are ~50 million
BIG
available across Indonesia customers that still need
microfinance support
• There are various players with • Most of MFIs took form of
massive quantity: credit union, credit union (Koperasi Simpan
FRAGMENTED Pinjam) or BMT
BMT, venture cap., foundation,
BPR, commercial bank • They mainly serve local
needs, only some has national
• Biggest today is MBK Ventura scale, making the market
with 250k clients fragmented
• Many new, strong local and • This is driven by the wide
foreign players are entering “white space” available, and
EXPLODING
the market, e.g., Bakrie Group, potential for good profits
Bank Mandiri, Microinvest
SOURCE: Personal opinion Koperasi KASIH Indonesia |
12. Interested in this industry? There are multiple ways to get in. Your choice!
Description
• Options: World Bank, MICRA, Care International, others
Join NGOs • Why it makes sense: good to get the overview of microfinance
industry and how NGOs on this area work
• Why other options might be better: Less direct learning on the
business aspects
• Options: Commercial banks (Danamon, BTPN, Mandiri), BPRs,
Join existing Venture Capital (Mitra Bisnis Keluarga), Cooperatives (Koperasi Dian
MFIs Mandiri, Koperasi Mitra Dhuafa), BMT (BMT Ventura, owned by
Dompet Dhuafa), foundation (Yayasan Mitra Usaha)
• Why it makes sense: good direct learning on how to do the business;
Joining commercial banks means better salary ☺
• Why other options might be better: Joining commercial MFIs might
mean your activities are driven by profit-making mindset all the time
• Options: YOURS ☺
Create your own • Why it makes sense: Good learning on how to start and manage
your own business and about microfinance industry
• Why other options might be better: setting up own business means
higher risk and commitment, while being able to shape things the way
you want and potentially be more satisfied in many ways ☺
SOURCE: Personal opinion Koperasi KASIH Indonesia |
13. Wanting to start your own MFIs? Couple of tips from my 4-month experience
Description
• … that balances the opportunity (demand for microfinance services)
Pick the right and your resources (e.g., your knowledge and comfort with the area,
place … who you know in the area, etc.)
• … including the following:
Do the Get to know the area, e.g. to find types of product that are
homework … needed, characteristic of the people in the area, people whose
support you will need to start your business
Get to know this business, e.g., what are possible product
types, what are the risk management system, etc.
• … focusing on what you must have, not everything, starting from
Prepare long-term objectives, to 1st year objective, combine it with your SWOT
pragmatically … to define your strategy. Then translate your strategy into a product
design and operational system and its corresponding tools. Last,
prepare basic financial system to capture what happens
• Execution capability is what truly sets one MFI from the others, as
Set your heart, systems are widely known and tools are widely available
and EXECUTE! • So, set your heart for the journey (including all the challenges and
excitements), and do it!
SOURCE: Personal opinion Koperasi KASIH Indonesia |
14. Last 3 cents to be remembered
• In microfinance industry, you can make money while
helping people. Decide wisely between the two
• Indonesia’s microfinance industry will grow rapidly in
upcoming years. It needs Indonesia’s best talents.
Considering it as a career option might makes sense
• Going back to the 1st point, remember that microfinance
industry dealt with poor people – fellow Indonesians
that are much less-fortunate. They need your help to
achieve a better life. NEVER FORGET this when you
are in the industry. Help yourself and help them, too.
SOURCE: Personal opinion Koperasi KASIH Indonesia |
17. Our team combines people with diverse backgrounds, expertise and resources,
which has enabled us to effectively tapped into the market
Petrus Partono* Leonardo Kamilius Lucyana Siregar
Role: Commissioner Role: Managing Director Role: Director
38 years old 25 years old 25 years old
Catholic church’s brother Bsc. in Accounting, University Bsc. in Accounting, University
~13 years on people of Indonesia, class of 2004 of Indonesia, class of 2004
empowerment in Cilincing, in 2.5 years with McKinsey & 0.5 year in accounting
areas of education, health, Company, Jakarta, focusing division, Sinar Mas Land
elderly support, employment on operation transformation Involve in various social
creation, housing support and strategy activities in university
Yuswati Denni Pasaribu Rosmida
Role: Field Officer Role: Field Officer Role: Public Relation
39 years old 20 years old 57 years old
High school graduate High school graduate Health cadre for the
Previously worked in Previously worked in last 15 years
institution run by clothing manufacturer Has extensive
Sisters, making bags network in Cilincing
from plastic trashes
Full-time Part-time
SOURCE: KKI Koperasi KASIH Indonesia | 17
18. We BELIEVE that our vision is there to be achieved
Yel – Yel Koperasi KASIH Indonesia
Kami pasti bisa
Mencapai KESEJAHTERAAN
Dengan jujur, disiplin, usaha keras dan doa
Kami akan berjuang
Bekerja dan menabung
Demi keluarga tercinta
Kami PASTI, PASTI, PASTI BISA!!!
SOURCE: KKI Koperasi KASIH Indonesia | 18
19. Most of KKI’s systems were adopted from Grameen Bank, added with some new
ideas and necessary modifications
Description Difference with GB model
• KKI uses Poverty Index • KKI uses its own version of
assessment to determine whether assessment, built from different
Selection
someone can get a loan or not types used in other institutions
• KKI gives continuous training on • Not enough information
different topics and leverages
Education
various methods stressing on
practice to form the good habits
• KKI provides many incentives for • Early version Grameen Bank
Risk good members and applies legal applies collective responsibility;
management action to defaulters Current version does not
• Collective responsibility will be • Some incentives used are taken
applied in in upcoming batches* from Grameen model
• KKI measures 2 lead and 2 lag • Not enough information
Impact indicators: Increase in income and
measurement savings (lead) and house
ownership and ability to send
children to university (lag)
* Thorough assessment shows benefits exceeds cost by far; Method picked will be the one thatts least harmful to members
SOURCE: KKI; Grameen Bank guideline Koperasi KASIH Indonesia | 19
20. Let us know if you have inquiries or want to join our effort ☺
SOURCE: KKI Koperasi KASIH Indonesia | 20