Embedding Financial Inclusion into
Sanitation Programs
Lessons from FINISH India
Dar es Salaam
16th
May 2014
Vijay Athreye...
Presentation Flow
• Sanitation in India in 2013
• FINISH Global PPP
• FINISH Process
• Financial Inclusion in Asset Creati...
Sanitation In India --2013
• Mobile phones > toilets.
• 50 % of global open defecators in India…Unsafe Sanitation
Impacts ...
05/23/14
Financial INclusion Improves Sanitation
and Health
Financial INclusion Improves Sanitation and Health
05/23/14
FI...
05/23/14
Financial INclusion Improves Sanitation
and Health
1.
Awareness
&
BCC
1.
Awareness
&
BCC
2.
Stakeholder
Capacity
...
FI in Asset Creation
NBA/MNR
EGA
NBA/MNR
EGA
BeneficiaryBeneficiary
CSRCSR
MFI/SHGMFI/SHG
SupplierSupplier
F
U
N
D
I
N
G
S...
FINISH India Assets … Source of
Funding
05/23/14
Financial INclusion Improves Sanitation
and Health
Results 09-14 and Sustainability
• Results
• Eleven states.. …… 1/10 of India
• 25 member PIT,61 Partners.
• One Toilet in...
Thousand Words………..
05/23/14
Financial INclusion Improves Sanitation
and Health
Thousand Words………..
05/23/14
Financial INclusion Improves Sanitation
and Health
05/23/14
Financial INclusion Improves Sanitation
and Health
FINISH INK ( FINISH IN Kenya )
05/23/14
FINISH
(GLOBAL PPP )
P...
05/23/14
Financial INclusion Improves Sanitation
and Health
Thanks for your attention
vijayathreye@gmail.com
Thanks for yo...
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Overview of the Finish Project, East Africa workshop on microfinance for sanitation, Dar Es Salaam, May 16th

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Vijay Athreye made this presentation at the East Africa workshop on microfinance for sanitation. FINISH stands for Financial Inclusion Improves Sanitation and Health. The FINISH project operates as a partnerships of international and local NGOs including WASTE, the Dutch NGO), with microfinance institutions. FINISH promotes tailored financial packages to suit the needs and affordable technologies suitable for local context. As of May 2014, over 300,000 toilets have been constructed in India under the FINISH project. The FINISH society and its partners are looking to replicate the model in other countries, including Kenya.

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  • FINISH Partners in the financial inclusion process bring in the finances for asset creation . The process adopted by FINISH i.e. behavioral change campaigns in communities with capacity building of stakeholders in safe sanitation leads to creation of sanitation densities That not only enables uniform and quality construction based on safe aspects but also creates scale for FINISH partners and other supply chain participants . Eventually it also helps the beneficiary by cost reductions arising from economies of scale . Most financial inclusion activities are unable to create impact due to high transaction costs. FINISH defines Financial Inclusion as the efficient process of enabling excluded households build development assets with the available financial resources. The FI process in FINISH is not limited to opening of bank accounts or accessing credit only.
    Community efforts and other donor funds along with the FINISH funds and sanitation investment funds are leveraged for developing partners , creating behavior change , building supply chains to enable ultimately sanitation densities. The FINISH project is now looking at expansion in the reuse part of sanitation in the form of biogas and fertilizer so that the economic value add can sustain the behaiour change.
  • Overview of the Finish Project, East Africa workshop on microfinance for sanitation, Dar Es Salaam, May 16th

    1. 1. Embedding Financial Inclusion into Sanitation Programs Lessons from FINISH India Dar es Salaam 16th May 2014 Vijay Athreye Co Founder FINISH
    2. 2. Presentation Flow • Sanitation in India in 2013 • FINISH Global PPP • FINISH Process • Financial Inclusion in Asset Creation • FINISH India Assets … Source of Funding • Results 2008-2014 and Program Sustainability • Thousand Words • FINISH INK • Unfinished Agenda 05/23/14 Financial INclusion Improves Sanitation and Health
    3. 3. Sanitation In India --2013 • Mobile phones > toilets. • 50 % of global open defecators in India…Unsafe Sanitation Impacts water sources , nutrition , morbidity, and infant mortality • Godliness > cleanliness… 15 0 mn toilets shortfall for ODF • Millennium Development Goals … Lags in Infant mortality , poverty , health & sanitation • Significant Data Variance … 70/30… DWS/Census 2011 • UNICEF • Poor Sanitation health cost –6.4 % of GDP • Death of 1000 children per day • Subsidy on household toilets > Rs 9000 …. • Nirmal Gram Puraskar for ODF communities05/23/14 Financial INclusion Improves Sanitation and Health
    4. 4. 05/23/14 Financial INclusion Improves Sanitation and Health Financial INclusion Improves Sanitation and Health 05/23/14 FINISH (GLOBAL PPP ) Project Management Board and PIT Concept Partner NGO/MFI RDO/GK Academia UN UNIV /IFS (Maastricht/Lon don ) DONOR DGIS/ NBA Concept partner Insurance TALIC Promoter WASTE (Holland) Sanitation Advisors Promoter SNS REAAL Water*Fund (Holland) FI’s /DFI NHB/NAB ARD 16 MFI 42 NGO’S 3 Coop’s I direct Health & Sanitation Health & Sanitation Rural Financially excluded Communities
    5. 5. 05/23/14 Financial INclusion Improves Sanitation and Health 1. Awareness & BCC 1. Awareness & BCC 2. Stakeholder Capacity building 2. Stakeholder Capacity building FINISH Process Safe Sanitatio n Safe Sanitatio n 3. Financial Inclusion 3. Financial Inclusion Willing For Sanitatio n Willing For Sanitatio n Sanitatio n Assets Sanitatio n Assets 4. Sanitation Densities 4. Sanitation Densities Communi ty health Communi ty health 5. Financial Incentives & BCC 5. Financial Incentives & BCC Usage Sustainab ility Usage Sustainab ility
    6. 6. FI in Asset Creation NBA/MNR EGA NBA/MNR EGA BeneficiaryBeneficiary CSRCSR MFI/SHGMFI/SHG SupplierSupplier F U N D I N G S O U R C E S F U N D I N G S O U R C E S New ToiletNew Toilet Refurbish ToiletRefurbish Toilet Bridge FinanceBridge Finance Gap Finance Gap Finance MicrocreditMicrocredit C A T E G O R Y C A T E G O R Y Other Donors Other Donors BANK/DFI Cr. Coop BANK/DFI Cr. Coop CommunityCommunity FINISH + SIFFINISH + SIF R E U S E R E U S E ENERGYENERGY FERTLZRFERTLZR Subsidy Finance Subsidy Finance
    7. 7. FINISH India Assets … Source of Funding 05/23/14 Financial INclusion Improves Sanitation and Health
    8. 8. Results 09-14 and Sustainability • Results • Eleven states.. …… 1/10 of India • 25 member PIT,61 Partners. • One Toilet in Three Minutes • 1000 villages OBA for Density • 75 % -- GP’s ( HH <1000 ) • 25% … Hamlets ( HH >100) • Sustainability ( Project-Program ) • FINISH Society … Non Profit • FSMC … For Profit ( WIP ) • Supply chain --- 5 Rural Sanitary Mart • Toilet linked Bio gas • Environment, Social and Financial SS 05/23/14 Financial INclusion Improves Sanitation and Health If we lost all our trees
    9. 9. Thousand Words……….. 05/23/14 Financial INclusion Improves Sanitation and Health
    10. 10. Thousand Words……….. 05/23/14 Financial INclusion Improves Sanitation and Health
    11. 11. 05/23/14 Financial INclusion Improves Sanitation and Health FINISH INK ( FINISH IN Kenya ) 05/23/14 FINISH (GLOBAL PPP ) Project Management Board and PIT Concept Partner FINISH INDIA Academia UN UNIV /IFS (Maastricht/Lon don ) DONOR Dutch Econom ic Affairs Concept partner Insurance TBD Promoter WASTE (Holland) Sanitation Advisors Promoter SNS REAAL Water*Fund (Holland) Ministry of health AMREF/K- REP/KWW B Health & Sanitation Health & Sanitation Busia and Khilifi County
    12. 12. 05/23/14 Financial INclusion Improves Sanitation and Health Thanks for your attention vijayathreye@gmail.com Thanks for your attention vijayathreye@gmail.com UNFINISHED AGENDA

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