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Presentation to the  Members of the Roundtable  on  State of the Sector Report 2009 at  Bankers Institute of Rural Development (BIRD), Lucknow Date : 29 th  August, 2009
WELCOME  TO CENTRE FOR RURAL DEVELOPMENT (CRD)
CRD IS AN NGO Registered under the Societies Registration Act of 1860 (Section XXI) in 1994-95 Registered under the Income Tax Act - Section 12AA & 80 G Registered under the Foreign Contribution Regulation Act of 1976
ACTIVITIES Rickshaw Bank VET-AID-CENTRE (VACs) District Nodal Agency, ARIASP SHGs Management Rural Marketing Networking & Strengthening The Voluntary Sector Imparting Training   Food Processing Centre Backyard Poultry Farming Information Documentation Centre
MISSION To ensure sustainable livelihood for the poor families by using local resources and skill up gradation with community participation
Rickshaw Drivers - vulnerable and socially disadvantaged community (harassed, HIV-AIDS, exploited) No access to formal finance: 95 % hire rickshaw on high daily rental fee Below poverty line and without any social security  46% are illiterate 8 million such rickshaw drivers in India 5 dependence as an average Identified Problem Solutions The Rickshaw Bank provides : a newly designed rickshaw payable through a minimal daily installment eventual ownership of the rickshaw,  insurance, uniform, licenses, a photo ID training, health care, cooking gas etc.
Solution: Design Innovation Rickshaw originally designed by IIT, Guwahati Aero-dynamically designed thus lighter More spacious More attractive to clients Comfortable for all age groups Longer functioning life
One Window Solution  Provide for Drivers: Eye/ Healthcare  Family planning Income Potential savings Social security Access to  financial institutions Insurance Licenses Photo IDs Meetings Uniform Training Maintenance Children’s schooling Clothing Cooking gas Food cart Provide  for families: An Asset: A Rickshaw
New initiatives Food cart for women entrepreneurship  Door to Door garbage collection HEALTH SUPPORT CELL MICRO FINANCE CELL
Benefits : SPONSORS Participate with purely commercial terms Getting the commercial return as per the prevailing terms 100% repayment Support in a sustainable model Create a Visible impact  Working towards millennium development goal (MDG) to bring people 2 USD income per day  Leveraging of funds to reach larger numbers Avenue for CSR ‘ Mobile’ advertisement  facility at 96% cheaper rate for corporates  Flexible term options on advertising (1 month to 3 yrs) Donors get 100% tax exemption Donors can participate in the programme monitoring process (SBI,ICICI,HDFC & PNB) Financial Institutes (Care-India, AIF,MF) Donors (ONGC,IOC,HLL) Corporate
Benefits:  RICKSHAW DRIVERS Bonafide membership of the Rickshaw Bank Receive ownership of an income generating asset  Inculcates the habit of savings Social security such as insurance coverage for both the rickshaw, the puller, the passenger (s) and the mediclaim facility. Provided platform to work with dignity- norms, uniforms, photo I-cards Getting health and eye care support Subsequent loan
Operational Model  5 Drivers constitute a group & 5 groups under one garage/ meeting point Under each garage/meeting point cover 25 rickshaws and also provides repair facilities Each garage/meeting point serves as the collection centre for the Drivers’ daily payment Garage/meeting point are the creation of new entrepreneurship Opening of new branches on a Franchise Model
Enables Rickshaw drivers to Own Their Rickshaws  Increases Rickshaw Driver’s Income  Levels and Standard of Living Provides a Financial Resource for Rickshaw pullers Creates Jobs for Youths Improves Sales for Local Businesses and Corporations  Decreases Fossil Fuel Emissions from Auto Travel Increases the Use of Environmentally Friendly Cooking Fuel Provides Better Health Services to the Rickshaw drivers and their Families Brings Better Law and Order to the Community Creates a Positive Work Environment The Results:  Triple Bottom Line Sustainable  Community  Development + Social  Impact + Environmental  Impact + Economic Impact
Improves law and order   Less corruption Better documentation through availability of licenses  Safer roads Additional revenues   Larger consumer market Job creation Increases standard of living Healthcare benefits Clothing  Proper cooking fuel Less polluted environment  passenger insurance Jobs for youths  The Results: Impact on Stakeholders Builds goodwill in the community Larger consumer market Effective and less expensive advertising Tax incentives and 100% donor efficiency Better investment opportunity Rickshaw ownership and higher income  Safer work environment through well engineered rickshaws and insurance  Health care benefits and education  Support network through discussion forums and peer groups Pride and confidence within the rickshaw driving business   Rickshaw Drivers Members  of the  Community Corporate/ Financial Institutions Local  Businesses Government And Local Authorities Families of  Rickshaw  Drivers Impact  on Stakeholders
Cost Breakup of the Unit Amount recovered from each Rickshaw Puller Rs. 13,000/- @ Rs. 25/- EDI for 520 days for a maximum period of 18-24 months  Average receivable Rs. 5000/- per rickshaw per year from the corporate advertisements till Rickshaw is owned by the RB and than 35% of the amount per  year once Rickshaw is owned by the Pullers  Particulars Cost (Rs) Rickshaw Assembling Cost 9600 Uniform Cost 450 Insurance Cost, 2 years 350 License Cost for both, 2 years 400 Total 10500
Sl.No States/ city Type of client No of clients No of ownership till date 1 Assam Dipbahan 2700 1254 Seuj Bahan 350 Supplied to GMC Fish Cart 10 Nil Ice-Cream Cart 3 Nil Food Cart 35 15 2 Agartala Dipbahan 450 38 3 Chennai Dipbahan 200 78 4 Surat Hath Lorry 237 90 5 Varanasi Dipbahan 300 24 6 Allahabad Dipbahan 400 57 7 Lucknow Dipbahan 150 23 8 Chandni Chowk Soleckshaw 7 Pilot model Total 4842 1579
Inauguration of Rickshaw Bank NOVEMBER 20, 2004 AT GUWAHATI, ASSAM Corporate representatives flag off the Rickshaw Bank
Partnership with AIF Phase - I Scaling up of the Rickshaw Bank project is supported by AIF for Guwahati as well as Noida. The capacity building support for the expansion and bank linkage support is sponsored by AIF. Phase – II For further scaling up AIF supported in expansion of more three new cities in partnership model. The operational cost of the new partners, hand holding cost of RB and FLDG is provided in this new phase of expansion.
Rickshaw Bank at Agartala The Rickshaw Bank at Agartala was inaugurated by the Chief Minister of Tripura, Mr. Manik Sarkar in presence of Rural Development Minister and CGM, State of India on 26 th  July, 2006
PARTNERSHIP WITH  CARE-INDIA Replication of the  Rickshaw Bank has been initiated  at Chennai  in partnership with CARE- India  to support 200 rickshaws  for the Tsunami victims
Rickshaw Bank at Chennai Rickshaws are released on Chennai Road on August 24, 2006
A new initiatives is initiated at Surat by providing Hath Lorry (Hand Cart) with all other components of the Rickshaw Bank. The formal launching was organized on June 3, 2007 at Surat. New initiatives at Surat
Partnership with PNB & AIF A tripartite partnership model is agreed upon to replicate the Rickshaw Bank model in 100 cities with 1000 rickshaws in each city.  A CBO/ VO/ entrepreneur be identified and engaged as a partner to implement the project. Each Rickshaw Driver open their No Frill  Account in the respective branches. FLDG provided by the AIF.
Launching at Varanasi, Allahabad & Lucknow The national launching of the programme was launched by its  Former CMD  Dr. K. C.  Chakrabarty in presence of the Executive Director, AIF Mr. Pradeep Kashyap
Research and Development Initially IIT Guwahati assisted in R&D of Rickshaw Bank Project. Existing full-fledged workshop at Guwahati for R&D process under the supervision of Mechanical Engineer with the support from DST, GOI. Signing of MOU between IIT Kharagpur & CMERI.
Glimpses of workshop
Different carts
Different carts
Other  Collaboration Collaboration with the Department of Science & Technology, GOI To replicate the Rickshaw Bank idea in 80 districts through promotion of new entrepreneurs in 16 states Collaboration with MIT, Boston Design Innovation for Slow moving vehicle for India
Recognition The Rickshaw Bank won  The Citizen Base Investment Award 2003   for its concept at National Stock Exchange Building,  Mumbai in November, 2003. IIM, Bangalore selected Rickshaw Bank project under their  Microfinance Incubation Programme, during November – December, 2005. The Change makers Innovation Award Competition: Market-Based Strategies that Benefit Low-Income Communities at  National Press Club, Washington on April 5, 2006.   The Micro Finance Process Excellency Award, 2006 at New Delhi  on April 7, 2006 given by the Planet Finance and the ABN Amro Bank. The Rickshaw Bank has got its recognition in the Limca Book of Records as First Rickshaw Bank under the business section in 2006.
Srijan 2007 Microfinance Business Plan Competition 3 rd  Prize at Hyderabad on April 25, 2007. One of the finalist of the Micro Insurance Awards, 2007 at Hyderabad on July 27, 2007 Asian Innovation Awards, 2007  at Singapore on 13 th  November, 2007. The Assam Chief Minister’s Best Community Action Development Award, 2008 on August 15, 2008 India NGO Award, 2008 for the medium category  from the Eastern Region Rickshaw bank also awarded as Best Innovative Project  of the year, 2008
SOLECKSHAW    A SOLUTION FOR  ECO-FRIENDLY  TRANSPORT Motorised assistance Rickshaw - motor to run on  battery, - battery to be charged  with “solar energy” The former Union Minister of Science & Technology and Earth Sciences, Shri Kapil Sibal  and the Chief Minister of Delhi, Smt. Sheila Dikshit  launched the “Soleckshaw” solar operated cycle rickshaw, at Chandni Chowk on  October 2 nd , 2008
Dr. Pradip Kumar Sarmah (Ashoka Fellow, India) Executive Director,  CENTRE FOR RURAL DEVELOPMENT (CRD) Dewan House, Zoo Narengi Road, Guwahati- 781 021, Assam,  Phone : +91-361-2228281 (O) Skype: PRADIP1963   E-mail: [email_address] com /  p r [email_address] Website:  www.crdev.org   REGIONAL OFFICE  :  D-41 (First Floor) Sector- 27, Noida- 201301, UP, India Phone : 0120-2591436 / 4320703 Mobile: +91 9818863727 CONTACT US

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Rickshaw Bank

  • 1. Presentation to the Members of the Roundtable on State of the Sector Report 2009 at Bankers Institute of Rural Development (BIRD), Lucknow Date : 29 th August, 2009
  • 2. WELCOME TO CENTRE FOR RURAL DEVELOPMENT (CRD)
  • 3. CRD IS AN NGO Registered under the Societies Registration Act of 1860 (Section XXI) in 1994-95 Registered under the Income Tax Act - Section 12AA & 80 G Registered under the Foreign Contribution Regulation Act of 1976
  • 4. ACTIVITIES Rickshaw Bank VET-AID-CENTRE (VACs) District Nodal Agency, ARIASP SHGs Management Rural Marketing Networking & Strengthening The Voluntary Sector Imparting Training Food Processing Centre Backyard Poultry Farming Information Documentation Centre
  • 5. MISSION To ensure sustainable livelihood for the poor families by using local resources and skill up gradation with community participation
  • 6. Rickshaw Drivers - vulnerable and socially disadvantaged community (harassed, HIV-AIDS, exploited) No access to formal finance: 95 % hire rickshaw on high daily rental fee Below poverty line and without any social security 46% are illiterate 8 million such rickshaw drivers in India 5 dependence as an average Identified Problem Solutions The Rickshaw Bank provides : a newly designed rickshaw payable through a minimal daily installment eventual ownership of the rickshaw, insurance, uniform, licenses, a photo ID training, health care, cooking gas etc.
  • 7. Solution: Design Innovation Rickshaw originally designed by IIT, Guwahati Aero-dynamically designed thus lighter More spacious More attractive to clients Comfortable for all age groups Longer functioning life
  • 8. One Window Solution Provide for Drivers: Eye/ Healthcare Family planning Income Potential savings Social security Access to financial institutions Insurance Licenses Photo IDs Meetings Uniform Training Maintenance Children’s schooling Clothing Cooking gas Food cart Provide for families: An Asset: A Rickshaw
  • 9. New initiatives Food cart for women entrepreneurship Door to Door garbage collection HEALTH SUPPORT CELL MICRO FINANCE CELL
  • 10. Benefits : SPONSORS Participate with purely commercial terms Getting the commercial return as per the prevailing terms 100% repayment Support in a sustainable model Create a Visible impact Working towards millennium development goal (MDG) to bring people 2 USD income per day Leveraging of funds to reach larger numbers Avenue for CSR ‘ Mobile’ advertisement facility at 96% cheaper rate for corporates Flexible term options on advertising (1 month to 3 yrs) Donors get 100% tax exemption Donors can participate in the programme monitoring process (SBI,ICICI,HDFC & PNB) Financial Institutes (Care-India, AIF,MF) Donors (ONGC,IOC,HLL) Corporate
  • 11. Benefits: RICKSHAW DRIVERS Bonafide membership of the Rickshaw Bank Receive ownership of an income generating asset Inculcates the habit of savings Social security such as insurance coverage for both the rickshaw, the puller, the passenger (s) and the mediclaim facility. Provided platform to work with dignity- norms, uniforms, photo I-cards Getting health and eye care support Subsequent loan
  • 12. Operational Model 5 Drivers constitute a group & 5 groups under one garage/ meeting point Under each garage/meeting point cover 25 rickshaws and also provides repair facilities Each garage/meeting point serves as the collection centre for the Drivers’ daily payment Garage/meeting point are the creation of new entrepreneurship Opening of new branches on a Franchise Model
  • 13. Enables Rickshaw drivers to Own Their Rickshaws Increases Rickshaw Driver’s Income Levels and Standard of Living Provides a Financial Resource for Rickshaw pullers Creates Jobs for Youths Improves Sales for Local Businesses and Corporations Decreases Fossil Fuel Emissions from Auto Travel Increases the Use of Environmentally Friendly Cooking Fuel Provides Better Health Services to the Rickshaw drivers and their Families Brings Better Law and Order to the Community Creates a Positive Work Environment The Results: Triple Bottom Line Sustainable Community Development + Social Impact + Environmental Impact + Economic Impact
  • 14. Improves law and order Less corruption Better documentation through availability of licenses Safer roads Additional revenues Larger consumer market Job creation Increases standard of living Healthcare benefits Clothing Proper cooking fuel Less polluted environment passenger insurance Jobs for youths The Results: Impact on Stakeholders Builds goodwill in the community Larger consumer market Effective and less expensive advertising Tax incentives and 100% donor efficiency Better investment opportunity Rickshaw ownership and higher income Safer work environment through well engineered rickshaws and insurance Health care benefits and education Support network through discussion forums and peer groups Pride and confidence within the rickshaw driving business Rickshaw Drivers Members of the Community Corporate/ Financial Institutions Local Businesses Government And Local Authorities Families of Rickshaw Drivers Impact on Stakeholders
  • 15. Cost Breakup of the Unit Amount recovered from each Rickshaw Puller Rs. 13,000/- @ Rs. 25/- EDI for 520 days for a maximum period of 18-24 months Average receivable Rs. 5000/- per rickshaw per year from the corporate advertisements till Rickshaw is owned by the RB and than 35% of the amount per year once Rickshaw is owned by the Pullers Particulars Cost (Rs) Rickshaw Assembling Cost 9600 Uniform Cost 450 Insurance Cost, 2 years 350 License Cost for both, 2 years 400 Total 10500
  • 16. Sl.No States/ city Type of client No of clients No of ownership till date 1 Assam Dipbahan 2700 1254 Seuj Bahan 350 Supplied to GMC Fish Cart 10 Nil Ice-Cream Cart 3 Nil Food Cart 35 15 2 Agartala Dipbahan 450 38 3 Chennai Dipbahan 200 78 4 Surat Hath Lorry 237 90 5 Varanasi Dipbahan 300 24 6 Allahabad Dipbahan 400 57 7 Lucknow Dipbahan 150 23 8 Chandni Chowk Soleckshaw 7 Pilot model Total 4842 1579
  • 17. Inauguration of Rickshaw Bank NOVEMBER 20, 2004 AT GUWAHATI, ASSAM Corporate representatives flag off the Rickshaw Bank
  • 18. Partnership with AIF Phase - I Scaling up of the Rickshaw Bank project is supported by AIF for Guwahati as well as Noida. The capacity building support for the expansion and bank linkage support is sponsored by AIF. Phase – II For further scaling up AIF supported in expansion of more three new cities in partnership model. The operational cost of the new partners, hand holding cost of RB and FLDG is provided in this new phase of expansion.
  • 19. Rickshaw Bank at Agartala The Rickshaw Bank at Agartala was inaugurated by the Chief Minister of Tripura, Mr. Manik Sarkar in presence of Rural Development Minister and CGM, State of India on 26 th July, 2006
  • 20. PARTNERSHIP WITH CARE-INDIA Replication of the Rickshaw Bank has been initiated at Chennai in partnership with CARE- India to support 200 rickshaws for the Tsunami victims
  • 21. Rickshaw Bank at Chennai Rickshaws are released on Chennai Road on August 24, 2006
  • 22. A new initiatives is initiated at Surat by providing Hath Lorry (Hand Cart) with all other components of the Rickshaw Bank. The formal launching was organized on June 3, 2007 at Surat. New initiatives at Surat
  • 23. Partnership with PNB & AIF A tripartite partnership model is agreed upon to replicate the Rickshaw Bank model in 100 cities with 1000 rickshaws in each city. A CBO/ VO/ entrepreneur be identified and engaged as a partner to implement the project. Each Rickshaw Driver open their No Frill Account in the respective branches. FLDG provided by the AIF.
  • 24. Launching at Varanasi, Allahabad & Lucknow The national launching of the programme was launched by its Former CMD Dr. K. C. Chakrabarty in presence of the Executive Director, AIF Mr. Pradeep Kashyap
  • 25. Research and Development Initially IIT Guwahati assisted in R&D of Rickshaw Bank Project. Existing full-fledged workshop at Guwahati for R&D process under the supervision of Mechanical Engineer with the support from DST, GOI. Signing of MOU between IIT Kharagpur & CMERI.
  • 29. Other Collaboration Collaboration with the Department of Science & Technology, GOI To replicate the Rickshaw Bank idea in 80 districts through promotion of new entrepreneurs in 16 states Collaboration with MIT, Boston Design Innovation for Slow moving vehicle for India
  • 30. Recognition The Rickshaw Bank won The Citizen Base Investment Award 2003 for its concept at National Stock Exchange Building, Mumbai in November, 2003. IIM, Bangalore selected Rickshaw Bank project under their Microfinance Incubation Programme, during November – December, 2005. The Change makers Innovation Award Competition: Market-Based Strategies that Benefit Low-Income Communities at National Press Club, Washington on April 5, 2006. The Micro Finance Process Excellency Award, 2006 at New Delhi on April 7, 2006 given by the Planet Finance and the ABN Amro Bank. The Rickshaw Bank has got its recognition in the Limca Book of Records as First Rickshaw Bank under the business section in 2006.
  • 31. Srijan 2007 Microfinance Business Plan Competition 3 rd Prize at Hyderabad on April 25, 2007. One of the finalist of the Micro Insurance Awards, 2007 at Hyderabad on July 27, 2007 Asian Innovation Awards, 2007 at Singapore on 13 th November, 2007. The Assam Chief Minister’s Best Community Action Development Award, 2008 on August 15, 2008 India NGO Award, 2008 for the medium category from the Eastern Region Rickshaw bank also awarded as Best Innovative Project of the year, 2008
  • 32. SOLECKSHAW A SOLUTION FOR ECO-FRIENDLY TRANSPORT Motorised assistance Rickshaw - motor to run on battery, - battery to be charged with “solar energy” The former Union Minister of Science & Technology and Earth Sciences, Shri Kapil Sibal and the Chief Minister of Delhi, Smt. Sheila Dikshit launched the “Soleckshaw” solar operated cycle rickshaw, at Chandni Chowk on October 2 nd , 2008
  • 33. Dr. Pradip Kumar Sarmah (Ashoka Fellow, India) Executive Director, CENTRE FOR RURAL DEVELOPMENT (CRD) Dewan House, Zoo Narengi Road, Guwahati- 781 021, Assam, Phone : +91-361-2228281 (O) Skype: PRADIP1963 E-mail: [email_address] com / p r [email_address] Website: www.crdev.org REGIONAL OFFICE : D-41 (First Floor) Sector- 27, Noida- 201301, UP, India Phone : 0120-2591436 / 4320703 Mobile: +91 9818863727 CONTACT US