finish annual report 1 april 2013 31 march 2014finishsociety.org/finish_documents/annual report/3...
TRANSCRIPT
1 | P a g e
FINISH Annual Report
1st April 2013 – 31st March 2014
2 | P a g e
CHAPTER 1: INTRODUCTION
Financial INclusion Improves Sanitation and Health programme (FINISH) was conceived with the objective of enabling the emergence of a rural society whose health is improved not only through better sanitation facilities but also by virtue of being financially included. The project is implemented by WASTE through the Finish Society for the Dutch Ministry of Foreign Affairs (DGIS) since 2009.
The project was scheduled to run from 2009 to April 2014 but due to the micro-finance sector crisis
in India (and to a lesser extent worldwide) DGIS in June 2013 accepted the request to extend the
programme upto April 2016 with 3 primary objectives in mind:
Sustainability of FINISH Society
Scaling of the programme to 500,000 safe sanitation systems, this implies increasing its
footprint to about 75 partners in 11 states. This inter alia reinforces (1)
Sizeable health insurance pilot. A successful pilot and the insurance link is one of the pillars
under the business model for the FINISH Society.
The Microfinance sector in India has gone through 3 broad risk phases in the past – high growth
(till 2010), high volatility (2010 – 11), and consolidation, curtailed expansion, changed business
models, cost control, balance sheet strengthening etc (2011-13). In the second half of 2011, the
FINISH programme changed its strategy to respond to the changed circumstances. Today the
partnership pattern of FINISH is much more diversified as compared to the initial years. The
number of FINISH partners has grown from 16 in the year 2011-12 to 61 in the financial year 2013-
14.
For effective project delivery FINISH has from the beginning followed a structured approach to
training by developing a Learning Guide which defines the ‘training roadmap’. There are 6 layers of
trainings with detailed training curricula, which are updated from time to time. Need based
capacity building initiatives are also undertaken targeting various levels and requirements, e.g. in
2013 the FINISH Project Implementation Team (PIT), as part of its sustainability initiatives, was
trained on SWM by WASTE trainers. There are nearly 855 animators trained by FINISH who have
been engaged as key grass-roots level facilitators. Similarly, local level masons are also identified
and engaged by the partners to help the households in construction of toilets. In 2013-14 alone
some 402 masons have been trained. As a part of the exit strategy for FINISH, a process has been
started to create a panel of trainers. This panel has trainers (both PIT and NGO Coordinators) who
attended TOTs organised through the FINISH programme. Thus we now have such trained external
resources in the States of UP, Odisha, Gujarat & Rajasthan. These external trainers help train FINISH
partners on safe sanitation issues.
Local Public Private Partnerships (PPPs): FINISH through the Finish Society has entered into contracts with District Administration of Jhalawar and Udaipur District, Rajasthan for executing a sustainable sanitation programme. The Finish Society also entered into joint ventures with Gujarat
3 | P a g e
Livelihoods Promotion Company and UNICEF respectively. Besides, partnership has been built with L&T Micro Insurance Company and Hindustan Zinc Limited. These initiatives will strengthen the process of making Finish Society a self-sustaining entity. Overall the sanitation coverage has increased in the FINISH project areas. Cumulative achievement in terms of number of sanitation systems has increased and the total number of systems constructed has reached to 297,392. The information, education and communication (IEC) activities provided complete coverage to all families in the project area that has resulted in accelerating sanitation coverage. The awareness generation drives organized by partner organizations and access to credit resulted in creating demand for safe sanitation. In 2013-14 the FINISH programme added Supply Chain solutions so that demand created was promptly addressed.
A fourth dimension of ‘Reuse’ is being explored for which a research study on ‘Composting and marketing of compost from Human Waste’ was given to the private sector organisation “Morarka Organics P Ltd.” In addition, the option of linking toilets to biogas units is implemented at some scale (close to 1,000 systems are connected in Valsad district, Gujarat). Also a toilet linked community biogas system is set up in Tamilnadu with a view to bottle the gas and derive at market values for the gas.
Implementation of the FINISH intervention has improved as compared to the last fiscal year (Graph 1.1 below). The field staff has adopted well to the changing financial scenario and is approaching partners accordingly. FINISH is continuously improving the process. In the first half of 2013-14, it was doing 1 Safe Sanitation system every 5 minutes (24/7 basis) which improved to 1 Safe sanitation system every 3 minutes in the second half of 2013-14!
4 | P a g e
The earlier exclusive focus on micro finance has now been expanded to a broader access to
financial services for the poor. This includes access to micro finance, government subsidies,
cooperative soft loan financing, CSR funding and revolving funds. Thus the funding is no longer
exclusively based on commercial micro finance, but it also includes these other categories. The
subsidy programmes are run in partnerships with local government and as such directly contribute
to Objective 2. This expanded partnership and the various partners is outlined in Annex 2, together
with the efforts undertaken by the partners in sanitation awareness generation. These partnerships
are managed by the Project Implementation Team.
In the government sanitation programme the subsidy is back-ended, i.e. flows once the toilet is
completed, and FINISH is leveraging vendor credit to bridge this working capital need. In the past
six months alone only in the district of Dungarpur (Rajasthan) vendors have given credit of INR
30M (nearly € 400,000) in 2013-14. The idea is to expand this further to other project areas.
Government policies will to a large extend determine which of these financial streams will become
the most important. For instance the increases in Government subsidies mean that sanitation
demand generated by the project, can be met by and large by available government subsidies.
Similarly changes in company law means that companies are now compelled to spend 2% of their
profits on CSR activities. As sanitation is highly visible, this may offer a great financing potential.
The main advantage is that now people who were before excluded, i.e. the ultra-poor, can be included in the sanitation drive. Thus it certainly contributes to the financial inclusion paragraph of FINISH.
5 | P a g e
Chapter 2: Result based Progress The overall objective of the Financial Inclusion Improves Sanitation and Health (FINISH) programme is "to improve sanitation and thereby living and economic conditions of poor rural and peri-urban households, through economic incentives, primarily enhancing financial inclusion of these households." The programme is designed with four sub-objectives vide:
1. To provide sanitation facilities at the household level through a combination of micro-credits by MFIs with a sanitation portfolio (capacities are built under the programme) and health insurance incentives.
2. To establish a financially sustainable sanitation improvement mechanism through public private partnership.
3. To develop information resource base for future programmes and demonstrable indicators linking health and sanitation.
4. To provide livelihood benefits to poorer sections and mainstream gender aspects. The adjusted overall result of FINISH is "improved sanitation systems for 500,000 (lower limit) – 600,000 (upper limit) households in different states of India.” FINISH has six results. Developments in the sector effected both results for 2013 and the targets for 2014. Short descriptions of relevant developments are presented after the description of the result. The milestones for each result for 2013 –2014 has been set by the Programme Management Board. Result 1.1 MFIs offer sanitation loans as part of their loan product portfolio Milestone 2013-2014: 20 million Euro in hardware financing has been organized by the project.
Indicator Targets 2013-2014 Results 2013 – 2014
Output MFI pre-selection criteria developed, organisational capacity assessment, MoU with each implementing MFI partner stipulating roles of different parties vis-à-vis implementers OBA detailed criteria
4) Proposal for GP-OBA funding submitted. Innovative use of current project related OBA funding documented
Proposal submitted to WSP India, reformatted to result based financing. Due to change of staff at WSP, not being pursued by WSP presently.
Out-come
The end of the programme has provided 100% of all necessary loans provided to the users.
Additional 20 million in other funding will be mobilised.
In the year 2013-14 133,631 safe sanitation systems have been built using multiple sources of finance. Finance (Bank/MFI/NABARD/NHB/SHG
Other): INR 288 M (Euro 4.11 M) Subsidy (partner leveraging Govt. subsidy):
INR 575 M ( Euro 8.21 M) Client contribution: INR 128 M (Euro 1.83
M). CSR support: INR 5.3 M ( Euro 0.08 M )
Sustain-ability
By the end of the programme, the occurrence of water-borne diseases among the program target group has decreased with 50%.
Results from impact surveys will be known and will inform on the occurrence of water borne diseases, these will be widely disseminated.
Impact survey in Gwalior completed. Report awaited. Impact survey commenced in Tamilnadu.
6 | P a g e
After 3 years of the MFI crisis they seem to be regaining some of the confidence with clients and lending institutions. Fresh loans issued to MFIs by banks showed a jump of 50.60% over the previous year whereas the number of MFIs having access to fresh loans declined by 8.4% indicating selective lending by banks. But with financial inclusion emerging as a major policy objective in the country, microfinance is again moving to the center stage as a promising conduit for extending financial services to unbanked sections of the population. Status of Microfinance in 2013
Major trend is RBI being able to put forward a very significant set of regulatory guidelines which seem to have given hope to the sector that orderly growth is possible.
MFIs are facing the challenge of coping with the regulatory environment- continuous client data monitoring, reporting, technology adoption/up-gradation and building staff capacities as there are no investments in capacity building by MFIs themselves or the sector due to less availability of funds.
MF legislation bill still not seen the light of day, which is a concern for the smaller NGO MFIs. FINISH while re-strategising in 2011 had decided to focus on smaller MFIs and adversely impacts using of micro-finance for sanitation. MFIs want a more structured guideline to follow and hope for this being successfully achieved is becoming dimmer and dimmer.
The Micro Finance Institutions are slowly increasing in number all over the country with a variety of loan products. Over the past year many MFIs have approached FINISH for working in sanitation. In 2009, when the FINISH project was conceived, MFIs were placed as a primary financial institutions and partner for extending sanitation loan to facilitate construction of toilets. Over the period of time, some major changes occurred within the MFI sector and that prompted the project to undertake some strategic changes for effective implementation of the programme. The Micro Finance crisis occurred during the year 2011 was the major hindrance for the MFIs of availing funds which led to unavailability of adequate resources/funds for extending sanitation loans to the beneficiaries. FINISH accordingly adopted strategies to respond to the circumstantial changes. While extending its partnership, FINISH apart from regular MFIs, also partnered with NGO-MFIs and NGOs who had adopted the SHG-Bank linkage model successfully and who had worked with the government to establish linkage between government programmes and rural communities. At present there are 12 (up from 5 in 2012-13) MFI partners. There has been paradigm shift within the Micro finance institutions. MFI loan portfolios are much more diversified as compared to the past trends. One example is a ‘sanitation loan product’ (this is one of foreseen results of FINISH!) like the WATSAN Loan by Cashpor, which has been included by some of them. MFI partners are also lending for WASH beyond FINISH Programme areas. The 2013-14 data for 2 MFI partners are tabled below: Name Blocks GPs Clients Amt (INR ‘M) Outstanding (INR ‘M)
Cashpor 14 48 7,705 37.73 11.05
Grameen Koota 176 17846
(kendras)
568,958 769.86 603.08
7 | P a g e
They have not just restricted themselves to evolving business models but also working towards bringing positive social impact and behavioural change. Some examples are mentioned below: Cashpor, Varanasi, Uttar Pradesh is a well established MFI (winner of the MFI of the Year Award 2012). It provides micro credit to Below Poverty Line households residing in Eastern U.P. and Bihar. CASHPOR believes that financial services are not all that can bring poor community out of the cycle of poverty. CASHPOR has piloted strategic cost effective intervention in education and health and in the year 2012, CASHPOR has introduced sanitation loan with nomenclature ‘WATSAN Loan’ in its portfolio. The loan amount can vary from INR 1,000 to INR 5000. Sanitation loan is available only to those clients who after taking income generation loans from Cashpor have timely repaid due instalments. Cashpor has also made it mandatory for the animators to have toilet at their own residence. Cashpor which initiated sanitation with FINISH began with one district Buxar in 2011 has expanded the relationship to 2 other districts – Gazhipur & Sasaram. It is also providing WATSAN Loans in other non_FINISH districts.
BWDC, Thiruvarur, Tamilnadu has been expanding its Sanitation portfolio. As the table below shows BWDC has over a 3 year period doubled the sanitation portfolio. 2011-12 2012-13 2013-14
Total Loan Portfolio
INR 68,435,858 INR 47,157,822 INR 76,913,979
Sanitation Portfolio
INR 10,574,050 INR 10,134,782 INR 20,145,545
Percentage 15.45% 21.49% 26%
The highlight is with this thrust they have attained 100% Sanitation Density in 48 Villages1 !
1 An interesting aspect is that the CEO of BWDC was earlier convinced that it would take at least 2 - 3 years to
reach sanitation densities of 50%.
8 | P a g e
Result 1.2 MFI marketing channels for micro-insurance products developed Milestone 2013-2014: Distribute 12000 micro health insurance policies to the beneficiaries: Indicator Targets 2013-2014 Results 2013–2014
Output Before the end of the 1st year the programme has developed: - Health insurance products developed - Sales channels developed - Number of policies sold
L&T insurance product launched. Contract signed with newly formed entity as marketing distribution company as part of the exit strategy of the FINISH project. Target is to do 4000 covers by 31st March 2014.
The Programme started late, it is being implemented in – Maharashtra, Rajasthan & Odisha with Micro insurance Agencies (MIAs) 8 MISPs (trained & licensed agents) 24 Policies 2245 / INR 425,280 Claims 4 / INR 13,000
Out-come
MFIs are capable of providing the micro insurance products without active interference of the programme
Life Insurance is sold by partners. Sanitation related micro health insurance is an unique product.(From the ppt)
Sustain-ability
UNU will be able to report on demand increase for sanitation due to health insurance premium discounts
Methodology developed to link insurance data to sanitation data of the project, So that it can be used as an indicator.
IFS / UNU has submitted a proposal for doing the study
FINISH has an agreement with L&T General Insurance Company Ltd for distribution of micro health insurance products to the rural households w.e.f. February 1, 2013 till January 31, 2016. In respect of this engagement – FINISH identifies and suggests entities and persons who are competent and capable of being recruited as licensed MI Agents for the Company and also advise the MI Agents on the recruitment of Micro-Insurance Agents or Specified Persons. FINISH also facilitates necessary documentations enabling enlistment of the selected MI agency as an MI Agent for LTGIC. The new venture or distribution marketing company (DMC) will be the link between the insurance company and the rural markets, whereby the DMC aggregates demand from the FINISH partners. The registration of the DMC, titled as FINISH Services Management Company P Ltd, is done with the Registrar of Companies, Ahmedabad. This financial innovation will also give us the insight if and how, we can use insurance to measure impact of development schemes and in this case, can we use health insurance to measure the impact of sanitation (use). FINISH has organized and carried out 12 trainings for micro insurance and product training / retraining in vernacular languages. FINISH has built capacity of MI Agents and its SP’s for efficiently bringing width and depth to the distribution and servicing of the Company’s MI products, specifically in the health segment.
9 | P a g e
FINISH has identified and contracted with NGOs in the states of Maharashtra, Odisha & Rajasthan who are physically located in the vicinity of the MI Agent’s / Finish Society premises / operational area and work under the guidance of FINISH society. FINISH has been periodically mentoring and monitoring the ongoing performance of the MI Agents and its SP’s for compliant sales processes and effective field level risk management practices. The identified resources do collate data available from the company on submission & issuance of policies. These resources are also very useful in servicing the clients in terms of policy awareness & claim settlement. These resources enhance awareness of financial inclusion through insurance, and promotion of safe sanitation habits in the rural operational area to impact the sustainability of both FINISH & LTGIC initiative for greater penetration of its MI products. 8 MIAs have been contracted from the states of Maharashtra, Odisha & Rajasthan. There have been 12 training programmes conducted for sensitisation of MIAs & their representatives as well as MISPs. These MISPs have successfully sourced about 2500 policies from equal number of households majority (2048 HHs) of whom have & use individual Household Toilets. FINISH, as envisaged during conceptualisation, with more number of micro finance institutions as its partners under the ACCESS-ASSIST strategic partnership is sure to multiply the health insurance coverage manifold during the current financial year. The current challenge, we face in distribution of the HMI, is the Govt. Promoted Rastriya Swasthya Bima Yojana (RSBY) available in the rural setup which has a highly subsidised premium (Rs.30/- only for family floater) with entire family coverage Rs. 30,000. On top of the same, in Odisha, there is a state run programme called Biju Krushak Kalyan Yojana (BKKY) that covers all the farmers for an additional SI of Rs.70K without any added premium to the RSBY. Way forward
Expand operational area Increase distribution ACCESS ASSIST partnership with 8 MFIs to help drive both Sanitation & Insurance.
10 | P a g e
Result 2.1 Sustainable sanitation support services set up established Milestone 2013-2014:
Indicator Targets 2013-2014
Results 2013– 2014
Output Assessment stakeholders sanitation support services at different levels (MFI, NGO, government, institutional, primary beneficiary) Existing sanitation system- assessed. Identification of target areas. Identification of issues /gaps. Identification key persons (champions) Information system options evaluation. Tangible win-win situation (commitment/ motivation due to genuine self-interest) identified, Stakeholder capacity assessed, gaps targeted through specific CB, Handbook developed
75 partners contracted MC Saatchi developed habit change material Official launch technology cartoon.
In 11 states 61 active partners are presently associated with FINISH 503 Animators have been trained. refresher trainings carried out for 225 Animators trained earlier. Trainings have been carried out by Master Trainers from FINISH and External Master Trainers trained under the FINISH TOT programme. 402 Masons have been trained. Learning Guide Part B is revised. Learnings from the field are being collected and will be incorporated in the Learning Guide.
Outcome The constructed sustainable sanitation systems supported by the PIT are functioning properly and satisfactorily by the midterm of the programme.
Randomised sampling of work of partners
To partners PIT provides: Hand holding support Training support Technical guidance Random validation
Sustainability
At the end of the programme 90% of all sanitation system constructed during the previous programme years still function.
Documented sanitation supply side chain leading to cost reductions. (re) use film in local languages Documented (re) use pilots
Reuse film is complete with different vernacular versions
In the first few years, sanitation support focused on sanitation demand generation support, e.g. the Award winning film, “Let’s make it right”, hand-outs, sanitation capacity development of partners, development of the sanitation learning guide, the training roadmap for partners at all levels – from
11 | P a g e
CEO to masons -, technology support structures, cartoon in five local languages and policy dialogues with the Central Government. Also in 2013 – 2014, demand creation as the starting point for a successful intervention, continued. Partners have used a range of tools to communicate the FINISH message of Safe Sanitation. In 2013-14 partners carried out 756 Sanitation Awareness Programmes covering 35,136 people, 1177 film shows of ‘let’s make it Right’ were held and it is estimated about 50,000 people would have watched it, 43,525 leaflets have been distributed carrying the message of Safe sanitation, wall writings using District Sanitation Mission inputs have been done at 269 places, in 2614 SHG Meetings the need for Safe Sanitation was discussed, different school activities have been carried out in 163 places including some shows of the FINISH cartoon film ‘Backend Engineering’. In 2013-14 another focus area was added: the sanitation supply chain and the ensuing business opportunities as well as exploring the (re) use of excreta. Sanitation supply chain activities: The tie up between WASTE and Saxion University Enschede, whereby 70 students worked on
different aspects of the sanitation supply chain in 2013, though the practical relevance may have
been limited it was indeed unique to have such a large group of business students taking an interest
in sanitation supply side issues in India. More targeted student relations mainly through UNESCO–
IHE (see below), United Nations University Maastricht and WUR are pursued.
In the State of Rajasthan FINISH is currently working on a supply chain model. In this model the materials required for constructing a toilet is facilitated by FINISH. Once demand is generated at community level, the orders are placed and the material delivered within two days at the doorstep of the beneficiary. When the material is in place, masons trained and linked by FINISH make sure the construction is technically correct and is up to standard. Presently FINISH society along with other NGO/ firms/ entrepreneurs partners is engaged in Supply chain activities (please see Annex 3 for details) in 5 Districts of Rajasthan:
1. Udaipur (HZL) 2. Chittorgarh (HZL) 3. Bhilwara (HZL) 4. Dungarpur (Govt. and UNICEF) 5. Banswara (Govt.)
Basic emphasis is laid upon creating supply chain solutions in intervention villages. Till date close to 6000 sanitation systems have been constructed in these 5 districts and 7 vendors have been engaged for doing the work. FINISH has provided a revolving fund to DHARNI for intervention in Jhalawar and Bhilwara. Jhalawar operations are facing some challenges due to lack of District Administration support. Bhilwara Operations has picked up and looking promising in future. DHARNI has done close to 6800 sanitation systems against the target of 12000 sanitation systems in Jhalawar and 10000 in Bhilwara. Advance of INR 800,000 has been provided to them against the same contracts. FINISH has already recovered close to INR 60,000.
12 | P a g e
Other partners have secured credit arrangements due to FINISH support. Till date total vendor Credit is close to INR 30 Million by all the vendors put together. FINISH has been asked by UNICEF to provide similar support in Udaipur and Banswara in Rajasthan and also in Jalna in Maharashtra where District admin will support FINISH Society with the backing of UNICEF. Finish Society will also be starting its rural sanitary mart (RSM) operations along with support of vendors in three more District of Rajasthan with support of World Vision and Habitat. A number of initiatives towards establishing sustainable sanitation service systems have been taken by partners as well as by FINISH. Following are some initiatives undertaken by the partner organisations: Range of Cost Effective Toilets
CDOT (MFI partner) from Patna, Bihar and project area is in Nalanda District of Bihar As a matter of fact, it is very innovative model "CDOT" is practicing where there two precast tanks of 1.8 m by 0.9 m (6 feet by 3 feet) are being set. Both tanks are connected and the final outlet from the tank goes to the soak pit. So the water from the tank is not discharged to the drainage, it is environmentally better. Secondly the tank is precast so setting the toilet does not take much time. People like it because it is easy to install and it serve their mindset to build septic tank. They still consider leach pit as Government toilet. These are the probable reasons. The manufacturers are local and now CDOT is also setting up the production centre in Patna district which will maintain the quality and cost both.
13 | P a g e
ANCHALIK based at Udaipur District of Rajasthan prepares Pre-Cast structures which is cost effective and is in sync with rural environment and local culture. It has a well established manufacturing unit with all necessary infrastructures. GSBS, Darbhanga District, Bihar has introduced low cost toilets in which the leach pits are constructed with the help of bamboo sticks. Bamboo scaffolds are made to cover the pits. A concrete meso structure is built to ensure safe disposal of excreta. A total amount of INR 2,035
including labour costs needs to be invested to construct this low cost toilet.
Lok Jagriti Kendra, Deoghar District of Jharkhand through its community driven approach has brought massive behavioral change in the area. Community after realising the need have started constructing temporary based low cost toilets. After arranging finance the temporary structures are replaced by permanent structure.
14 | P a g e
CLTS.
Its not an strategy or approach rather it is a movement to mobilise the community to having ODF in their surrounding.
Flexible design innovated by community people with many options to choose form accordingly to their affordability. with Local inexpensive materials like bamboo, plastic, tin used
PLACE-MADHUPUR
COSTING-STARTING FROM 200 TO 500 RUPEES
23-05-2014
Low Cost Toilet-Lok Jagriti Kendra
UNICEF partnership in Maharastra: A partnership was created with SACRED-Aurangabad, Unicef, Mumbai and Finish Society for the project namely “Creating Sanitation Foot Print in selected GPs of Bhokardan Block of Jalna District”. It started on 1st February 2014. The service area comprises 67 Villages and 52 Gram Panchayats from Bhkardan Block of Jalna District covering 24,878 Households and a population of 132,319. Details are in Annex 4. A MOU has been signed between Gujarat Livelihoods Promotion Company and FINISH to provide sustainable livelihoods for poor in the state of Gujarat. Precisely, the programme will bring social entrepreneurial opportunities for SHG women through building their capacity in the areas of micro insurance and promotion of household sanitation & hygiene. Rural Distribution and Marketing Company With an aim to create a corpus which can sustain all the current and future activities, FINISH Society has planned to render services in the area of safe sanitation. It has started with corporate houses like, Hindustan Zinc Limited and L& T Micro Insurance Company. The services are rendered to the agencies against which it receives certain amount of services charges. Dieuwertje de Vries, a MSc student from WUR presented her thesis on menstrual health (sanitary napkin usage, quality, availability etc.) in India. FINISH is working on a Menstrual Hygiene project with HZL and other agencies in Rajasthan, Which will be later replicated across all the states of India. An opportunity exist for (improvement of) local production of sanitary napkins:
- Sanitary napkins should be designed carefully to meet the needs of women. Designs should be made together with women, to optimise demand for the product and to get women involved in the production of sanitary napkins.
- The material used for sanitary napkins should preferably originate from the area itself, so that the production can be independent of large suppliers.
- The material used should be completely biodegradable and not harmful for the environment when decomposed in soil.
Suggestions of setting up new Sanitary Napkin production units are the following: - Use network of SHG’s and schools for creating demand through awareness. Once the demand
15 | P a g e
is there, production can start and distribution of the product can at start be thought the same SHG network.
- In areas where use of SN is not common, focus on younger generations first (up to 35 years old), as this is the easiest group to convince and there is a chance these women have more knowledge about SN’s already (through education or advertisements). Elder women will be more difficult to convince, as they have not been educated to the same level as is currently obliged up to 12th standard. Also, they will see less necessity in changing from using cloth to SN’s.
- In areas where use of SN is common practice, the local product should have a higher quality and a lower price for women.
Building association with diverse agencies: Similar arrangements are being planned with UNICEF and others for promoting community level safe sanitation programme. This is greatly facilitated by the numerical achievements of FINISH (Graphs below). Reuse of excreta / valorization of nutrients in excreta The reuse of excreta is facilitated by the earlier technology choices. The most popular sanitation system is a double pit system, whereby excreta can safely be reused after 2 -5 years depending on whether it is first time usage and number of users. Keeping in mind that excreta has a value, has to be made more explicit in a not very conducive current government environment, whereby for legal (and one can easily argue justifiable) reasons2, transport of faecal sludge is severely restricted. In Gujarat a pilot with the Foundation of Valsad Milk Cooperative has started on toilet linked household biogas systems supported by ICCO, where about 2,000 households will install toilet linked biogas units, till date about 800 have been installed. Research students from UNESCO – IHE are carrying out a study to determine the presence of pathogens & helminths in the slurry and determine safety features to prevent the same. During field visits however it has been observed that due to cultural reason acceptance of TLBG is low from slurry handling and usage perspective. Though some households were positive in terms of higher gas yields and reduced usage of chemical fertilizers. To understand this better and communicate the same to the community a study is to be carried out in 2014-15. Similarly a project is underway in Papampatti, Tamilnadu on bottling biogas from a community facility. Primarily WASTE will link initiatives in and outside India (e.g. WASH) to those under FINISH, thereby hoping for a cross fertilisation. With Morarka Organics, a leading manufacturer of agri-inputs and producer of organic food, FINISH is piloting the composting and marketing of human waste, initial pilot of 10 tonne has just been completed. Their findings are very encouraging. Nature of Test: Chemical
o Organic Carbon 28.2 % o Nitrogen 9.7% o Phosphorus 59.55 ug/mg o Potassium 1.5 % o Calcium 1.13 me/100gm
2 Primarily to protect those, who had been assigned to manually carry and deal with human excreta.
16 | P a g e
Nature of Test: Biological o E.Coli detection Absent o Salmonella detection Absent o Nematodes (Helminths) Absent
Locally there is biological waste available which can be recycled and reused as an Organic Manure. Continuous use of the organic manure improves the biological texture of the soil along with its ability to retain water. It will also help to conserve the nutrients which are mixed in the soil. As such the Human Excreta are valuable resource of biomass, natural gas and bio-manure. By using Vermiculture Technology, this important resource which otherwise a big health hazard and a major problem of environment can easily be converted into very low cost and a very high value nutrient for agriculture. Bio-manure produced from the human faecal contains more nutrients than chemical fertilizers.
Marketing and Distribution of Human Faecal Compost: Marketing Logo:
o The human faecal compost can be promoted in the brand name of Organic Manure (Jaivik Khad/Sona Khad)
o As the final product was totally decomposed and odourless so there were no challenges in promoting the manure.
Supply Chain: o Through Distribution Channel: The products can be sold through retailers shops. o Direct Selling: Many customers who purchase directly from the production unit, so
this can be sold directly from the production unit also. o Through Nurseries: Small packing of 5 Kg can be sold through the nursery vendors
also. Morarka Foundation’s working model is based on involving entrepreneurs. In Vermicompost they developed the technology and handed over to the entrepreneurs who run the units as business. Similarly here we hope to be able to scale it through replication by enrolling the entrepreneurs, train them to run the units as their business.
17 | P a g e
Result 2.2: Financial closure through mixing of commercial and non-commercial funding
thereby pursuing sanitation MDGs
Milestone2013-2014: The Programme has established a range commercial and other-non-commercial by which sanitation can be financed. The ratios will vary per state and per partner and will be as low as 0-1 as 12-1.
Indicator Targets 2013-2014 Results 2013– 2014
Output By the end of programme year 2, the financial closure of commercial and non-commercial financing is taking shape through: - Contract with each MFI stipulating deliverables - Mobilising different financial support schemes (credit guarantee, equity participation, line of credit, programme finance) catering to higher financing demands
75 partners, all financial support schemes documented
Finance Bank/MFI/ NABARD/ NHB/SHG Other): INR 288 M (€ 4.11M). Almost at par with 2012-13 figure of INR291.51 M
Subsidy (partner leveraging Govt. subsidy): INR 575 M (€ 8.21 M). With strengthening relationship with Government and by leveraging tri-partite partnerships 2013-14 figures are nearly 276% of 2012-13.
Client contribution: INR 128 M (€ 1.83 M). Strong demand creation has resulted in 100% jump in client contribution over 2012-13.
CSR support INR 5.3 M (€ 0.08 M )
Outcome By the end of the programme, the percentage of commercial funding vis-à-vis non-commercial funding for different sanitation systems, different organisations and different regions in India is established. This will serve as much need benchmarks for interventions elsewhere.
Ratios for different funding routes
Availability of finance for Sanitation lending continues to be a challenge. Because it is not treated as a ‘productive loan’ and not clearly categorised as a ‘priority sector’ – comes under the overall umbrella of ‘micro-housing’.
Sustainability By the end of the programme participating MFIs will be able to demonstrate the real benefits of improved sanitation, compared to the real costs. This means that they can continue with little-or even without-external support.
Two impacts studies will have been completed by UNU
Data collection in Gwalior is complete. In Tamilnadu it is work-in-progress.
Some Strategic Interventions made by Partner Organisations and FINISH are as follows:
Bank lending following Joint Liability Group (JLG) Model of NABARD: Joint Liability Groups (JLG) are informal groups of 4-10 members who are engaged in similar or independent economic activities and who are willing to jointly undertake (mutual guarantee) to repay the loan. In case of
18 | P a g e
default or death of a member, all other members jointly take the responsibility to re-pay the loan. RDO Trust has successfully channelized sanitation loan from Bank of India and CANARA Bank following JLG model and also through SHG bank Linkage. Following table projects the sanitation loan secured by RDO trust:
RDO Trust: Construction of Toilets and amount of loan through SHG Bank linkage
Year No.of. Beneficiary HHs Loan Amount (INR)
April 2010 - March 2011 969 19,380,000
April 2011 - March 2012 506 10,120,000
April 2012- March 2013 3125 30,100,000
April 2013 – March 2014 7602 61,157,140
MOU signed between Hindustan Zinc Limited and FINISH. HZL provides INR2,500/toilet for construction. MOU signed between World Vision and FINISH Society wherein World Vision will provide INR 6,700/ toilet including management cost for FINISH. The stronger ties with the Indian Government are clearly visible in Graphs 1.2 and 1.3 below. In Graph 1.2 the subsidy from the Indian government for the first time exceeds the loan funding. Though still limited, corporate social responsibility (CSR) funding has also started. As this is very much track record based, and the Government has very conducive support policies, we expect CSR funding to increase in time. Graph 1.2: recent (2013-2014) sanitation system financing
19 | P a g e
In the overall financial scenario, loan financing still comprises the majority of counterpart
funding for sustainable sanitation. The total cumulative figure now stands at an impressive
INR 2.295 billion (about € 30 million).
Graph 1.3: Overall FINISH sanitation system financing
Result 3.1: Programme management, monitoring, evaluation, impact and dissemination
structures established (relations health, sanitation, grant and non-grant financing
sanitation)
Milestone 2013-2014: Virtual presentation of project performance (increase sanitation density); FINISH presentation at SWW and other events.
Indicator Targets 2013-2014 Results 2013 – 2014
Output By the end of year 2 of the program the
monitoring system is developed and
operational: Programme management
committee Programme coordinator with
support staff; Baseline data, PRA/RRA
Key indicators health products and
iterative review process established
- Key non health indicators established
Virtual Presentation FINISH
implementation accessible
www.finishsociety.org
Exit strategy FINISH redefined
A robust concurrent
validation process in
place implemented by
the PIT members.
Partners are contracted
on ‘pockets of intensity’
approach so that they
are not dispersed and
easier to manage.
On a periodic basis
validation of partner
figures done using the
methodology as
prescribed by IFS/ UNU-
20 | P a g e
Merit. The cornerstone
of which is ‘random
selection’ of areas to be
validated.
Out-come
The results of the monitoring increase the
effectiveness of the programme
intervention by an annual increase in
demand for sanitation and micro health
insurance products.
Impact evaluation report with health and
sanitation baseline, control, basic loan
increase, with sanitation support services
and with sanitation support services and
micro health insurance. Also qualitative
differences in village life (post-FINISH), if
any, will be reported. The outcomes are
widely shared within India and outside.
Data on systems constructed
(passing 4,00,000 mark)
Systems contours will be
defined for impact analysis
Sustain-ability
50% of the MFIs include the monitoring
system in their own monitoring
protocols.
FINISH monitoring system
visualised (modern media),
pilot started whereby
monitoring will strengthen
capacity of partner as
objective.
One of the objectives of FINISH is to work out development indicators: How much grant funding is
needed to support sanitation programmes? Earlier we reported this ratio on committed
amounts, so in last years annual plan it was reported as: grant to commercial financing is 1 to 8.7.
Commitments proved to be not a very good indicator and we had to downwardly adjust committed
amounts after several field inspections. We retain the indicator, ratio of grant to commercial
funding, but use actual figures.
Thus to do this exercise in a transparent manner, we take the entire FINISH soft support cost to
partners and compare this with the financial routes used. The existing financial routes used by the
partners and the total amounts raised are:
1. Micro finance & institutional finance viz cooperative, SHG etc INR 288 M (€ 4.11M) 2. Indian government subsidies, NBA (earlier TSC) INR 575 M (€ 8.21 M ) 3. Micro finance and self-financing: INR 288 M + INR 128 M (€ 1.83 M). 4. Total finances raised: € 14.23 M
21 | P a g e
The different totals are graphically depicted against the DGIS grant expenditure in 2013-14 of €
670,915.
The various ratios are depicted in Graph 1.4 and Graph 1.5.
Graph 1.4 the leveraging of DGIS grants to micro finance (MF), Indian government financing, micro-
finance and self-finance and total financing
The Graph above shows that the leverage ratio of DGIS financing to local financing is well over 1:20,
higher than the anticipated 1:10 at the moment of the FINISH design !!
Another ratio, which is of interest is the distribution of DGIS grant amongst different categories in
2013-14, viz – WASTE (management, technical advisory services and programme management
board), Project Implementation Team (PIT including local office), partners capacity development
and awareness raising, income generating activities (mainly Sanitation Investment Fund) output
based aid, monitoring & evaluation and impact evaluation
22 | P a g e
Graph 1.5: distribution of gross DGIS grant (gross amount € 670,915)
Changes in monitoring: Efforts have been taken to simplify and strengthen monitoring. Earlier periodic controls have now been revised whereby project implementation team members on a regular basis check performance of the MFIs using random sampling in accordance with methodology approved by the Institute of Fiscal Studies (IFS, UK). For monitoring and verification purposes, FINISH checks whether:
Is the number of households in a village (total population) is reported correct. This is checked against Census data/other available government sources for validating this information.
number of households in the village with a toilet (in use) is correctly reported.
The improved method used for baseline data collection is thus data collection by partner (primary data collection by its field staff) with random assessment by PIT members, results in proper baselines for each partner. On random basis verification will take place (5%) of the partners and (5%) area by a truly independent agency. With this we expect that the ambiguity in baseline data will be resolved. The crucial aspect in the simplified monitoring is that it should be random. To do random sampling and determine the sampling size FINISH has started using softwares as suggested by IFS. The monitoring method seems workable and more reliable data are being collected. To bring additional rigour to the system independent monitoring agency will be appointed for random sampling and evaluation of the simplified monitoring tool in the field. Though Entrepreneurship Development Institute of India and other agencies have been approached yet there has been no response. The Mid-term Evaluation is planned using Akvo technology platform & an Independent Evaluator Dr Shome
23 | P a g e
Selected states: Odisha, Gujarat, Tamilnadu Partners:
o MFIs – Gram Utthan, Prayas, BWDC o NGOs including SHG Bank linkage models – RDO, DNC o Milk Coop – AMUL
Micro-Insurance: DNC, Gram Utthan, Nigam
The contracts for the same are issued. Trainings to begin from May 2014 and data collection from June 2014.
4.1 Livelihood for 5,000 people, primarily women, established
By mistake the quantitative target of this result was not adjusted to reflect the toned down scale of FINISH from 1,000,000 to 500,000 safe sanitation systems. This means that the livelihood generation needs to be downscaled similarly to livelihood for 5,000 people, primarily women, established. Partners are requested to report on it and their experience will be after verification documented. We do anticipate that the focus on sanitation supply chain, the business angle and the (re)use markets result in moving towards these targets. Milestone 2013-2014: Indicator Targets 2013-2014 Results 2013 – 2014
Output Number of newly
established MSMEs through
the program
7 Product markets
combination (PMC)
Documentation of
various enterprise
Approx. 700 animators and 175 project coordinators engaged.
Approx. employment/ number of man days generated for masons: 467709 mandays (@3.5 md/ ss) valued at INR 164 M (Euro 2.34 M)
In 5 districts of Rajasthan 200 odd masons
are working supported by 100 helpers. On
an average every mason is earning INR
4000 pm (Highest earning for mason has
reached upto INR10000 pm) through our
RSM operations earlier it was not more
than INR2500. Moreover it was not
consistent. This intervention by providing
livelihood at the village has helped, though
in a very limited way, curb seasonal
migration of labour to nearby big cities.
RSMs Rajasthan: FINISH supported RSMs / vendors employ For manufacturing bricks, slabs and precast structures:
24 | P a g e
Machine Operators 10 nos INR
10000 – 15000 pm.
Support staff 40nos INR 5000 pm.
Contractual 30 INR 250 per day
50% female workers
vendors have engaged villagers in
local transportation, loading,
unloading and driving jobs etc.
Out-come
By mid term of the
programme 3000 women
have increased earnings
Data will be qualified and
quantified
Sustain-ability
Savings of up to 20% of
family freely disposable
income (in terms of totally
family income about 3-4%)
due to lower costs for health
related expenses
Impact survey expected
this year which may
confirm the hypothesis;
another survey from one
of our partners to be
seconded academically
The support rendered to the implementing partners is done mainly by the project implementation team. The zonal heads are strategically located in different states of India. This is depicted graphically in Figure 1.6.
25 | P a g e
Figure 1.6: The Project Implementation Team
26 | P a g e
4. CONCLUSION
1. In terms of number FINISH is on track, every 3 minutes for 24 hours a day, 7 days a week a total is being added. Cumulative this adds to well over 100,000 safe sanitation systems per year. Together with the close to 300,000 safe sanitation systems already constructed, the target of 500,000 safe sanitation systems by 2016 will be met.
2. Different MFI partners have developed different types of sanitation loan products. Thus one of the objectives of the programme is achieved, MFIs have diversified their portfolio and offering sanitation loans. Those outside the FINISH project areas are not counted to the FINISH numerical achievements described above.
3. In terms of pro poor financing or financial inclusion of the poor FINISH is on track. The earlier exclusive focus on micro finance has now been expanded to a broader access to financial services for the poor. This includes access to micro finance, government subsidies, cooperative soft loan financing, CSR funding and revolving funds. Thus the funding is no longer exclusively based on commercial micro finance, but it also includes these other categories. The subsidy programmes are run in partnerships with local government. The main advantage is that now people who were before excluded, i.e. the ultra-poor, can be included in the sanitation drive. Thus it certainly contributes to the financial inclusion paragraph of FINISH.
4. Another part of the financial inclusion, micro health insurance, is for different reasons not yet on track. Some 8 MIAs have been contracted, several training programmes have been conducted, yet this has resulted in about 2500 being sold. One of the reasons is the availability of the Rastriya Swasthya Bima Yojana (RSBY) in the rural setup which has a highly subsidised premium (Rs.30/- only for family floater) with entire family coverage Rs. 30,000. Yet efforts are underway to pursue sanitation in a sustainable way.
5. Sanitation: demand creation continued in strong numbers and also qualitative. In 2013-14
another focus area was added: the sanitation supply chain and the ensuing business opportunities as well as exploring the (re) use of excreta. Presently FINISH society along with other NGO/ firms/ entrepreneurs partners is engaged in supply chain activities in 5 Districts of Rajasthan. In other states innovations are recorded on cost of sanitation (Bihar, Tamilnadu) and type of sanitation (Rajasthan, Gujarat).
6. Reuse of excreta is facilitated by the earlier technology choices. The most popular sanitation
system is a double pit system, whereby excreta can safely be reused after 2 -5 years depending on whether it is first time usage and number of users. Several types of reuse systems are piloted at a certain scale, community biogas and co-composting of faecal sludge. It is hoped that some significant numbers will be achieved in 2014.
7. The financial sustainability of the Finish Society is in progress. Activities in different states are generating some revenues. In the course of 2014 a detailed business plan will be prepared and presented to the programme management board for adoption.
27 | P a g e
ANNEX 1: FINANCIAL REPORT
Budget Trends, Principles & Structures
Trends
The budget revision requested for during the annual plan 2014-2015 has been used.
Correction in the adding of one column had been affected.
The expenditure is lower than budgeted due to the budget neutral extension. The remaining funds
had to be spread out over 2 more years.
Corrections over earlier year expenditure have been effected in the 2013-2014 budget so as not to
affect the future years.
Having local resources on the ground (PIT members) means that it is much easier to predict which
partners will be entitled to Output Based Aid for those partners that have reached the sanitation
coverage target and this has been verified.
Increasingly FINISH Society is getting enquiries from other parties and local collaborations have
started with number of those including Government departments and UNICEF. Though these are
directly resulting from the project, they are not reflected in the FINISH expenditure as they have no
direct bearing on it.
Budget principles & structure
More and more partners are contracted through the local Project Office. The project office has
adopted the WASTE standard of accounting.
Work advance & Contracts
Contract was signed with the FINISH Society to manage the currently 60 + partners. Separately
WASTE has a contract with two partners – innovation through local Government with RDO Trust –
under implementation, with the Institute of Fiscal Studies, UK for an impact survey of sanitation
and health insurance (co-funded by the World Bank). The earlier made commitment to the Social
Equity Foundation will shortly be contracted in full based one the programme management board’s
acceptance.
There are a few outstanding contracts from earlier years. These are closely monitored and will be
settled once deliverables are met.
28 | P a g e
FINANCIAL DATA
Project Financial Inclusion Improves Sanitation and Health (FINISH)
Reference DMW/CU-415/09
Reporting Period: 1 April 2013 – 31 March 2014
Accountancy Cost WASTE (AVK)
As per revised budget Annual Plan 2014-2015
REAL BUDGET DIFFERENCE
Report Code:
01/04/13-31/03/14
01/04/13-31/03/14
Consultancy WASTE advisory and managerial services 811 42,502
-42,502
Consultancy - Field Work WASTE 812 83,409 98,177 14,768
Documentation/ Reporting WASTE 813 2,630
-2,630
External consultants 815 6,049
-6,049
Sub Total
134,591 98,177 -36,414
Programme management board (complete costs, travel, allowances, facilities (Euro 6000/meeting)) 23 -4,934 24,144 29,078
Sub Total
-4,934 24,144 29,078
Project Implementation Team - India (PIT) Programme Manager 816 2,033
-2,033
Trainer 21 157,495 58,571 -98,924
Monitor 22 -44,569
44,569
Travel PIT India 29 704 -6,914 -7,618
Sub Total
115,662 51,657 -64,005
Promotional Film (3 Films/ 6 Lang) 60 2,635
-2,635
Film Viewings at Village Level (at Euro 5 / viewing) 61 -5,206
5,206
Handbills/Flyers/etc (5 types/ 6 lang, 30 million pieces at Euro 0,0025 piece)) 62 -4,216
4,216
Board Games etc 63 9,363
-9,363
Awareness creation/animators/comm organizers 64 87,580 66,857 -20,723
Contests 69 4,286 2,857 -1,429
29 | P a g e
Sub Total
94,442 69,714 -24,728
IGA Training Support (construction/Plumbing/consumables) 53 -12,211 -36,393 -24,182
Sanitation Investment Fund 81 127,011 37,000 -90,011
Misc. environment support * 59 -445 19,333 19,778
Sub Total
114,355 19,940 -94,415
Output Based aid (increase 300 - 1140) All Villages 50% coverage (assuming 100%, Euro 1.25) 56 120,513 -28,571 -149,084
Villages 70% coverage (assuming 80%, Euro 2.5) 57
0
Villages 95% coverage (assuming 80% euro 2.5) 58
0
Nirmal Gram Incentive GOI 100% Sub Total
120,513 -28,571 -149,084
International Travel/Study Tours/ Conf 51 2,366 12,666 10,300
Workshop 52 5,920 -13,357 -19,277
Healthdata Collection, Monitoring,Evaluation,etc 54 104,610 40,047 -64,563
Sub Total
112,895 39,356 -73,539
Independent mid-term and final evaluation
Financial Control WASTE (AVK) 817
0
Accountancy Cost WASTE (AVK) 24
0
PIT Financial / secretary (AVK) 25 -11,833
11,833
PIT Talic National Support (AVK) 26
0
Project office expenditure India (AVK) 27 -5,634 19,286 24,920
Office Infrastructure India (AVK) 28 857 7,143 6,286
Total overhead
-16,610 26,429 43,039
GRAND TOTAL
670,915 300,846 -370,069
30 | P a g e
Project Financial Inclusion Improves Sanitation and Health (FINISH)
Reference DMW/CU-415/09
Reporting Period: 1 May 2009 – 31 March 2014 Accountancy Cost WASTE (AVK)
As per revised budget Annual Plan 2014
REAL REAL REAL REAL REAL REAL TOTAL BUDGET AVAILABLE
Report Code:
01/05/09-31/03/10
01/04/10-31/03/11
01/04/11-31/03/12
01/04/12-31/03/13
01/04/13-31/03/14
01/05/09-31/03/14
01/05/09-30/04/16
FUTURE YRS
Consultancy WASTE advisory and managerial
services 811 52,958 24,860 29,738 14,743 42,502 164,800
-164,800
Consultancy - Field Work WASTE 812 52,539 45,275 55,691 32,124 83,409 269,038 716,624 447,586
Documentation/ Reporting WASTE 813 135 2,714 960 3,334 2,630 9,774
-9,774
External consultants 815 24,659 7,170 73,413 1,779 6,049 113,070
-113,070
Sub Total
130,291 80,019 159,803 51,979 134,591 556,682 716,624 159,942
Programme management board (complete costs, travel, allowances, facilities (Euro 6000/meeting)) 23 5,844 6,522 10,280 31,155 -4,934 48,867 127,947 79,080
Project Implementation Team - India (PIT)
Programme Manager 816 30,438 30,000 31,037 12,572 2,033 106,080
-106,080
Trainer 21 10,890 12,444 3,866 109,369 157,495 294,064 780,734 486,670
Monitor 22
12,815 58,813 42,648 -44,569 69,706 240,249 170,543
Travel PIT India 29 2,529 7,005 25,013 96,456 704 131,707
-131,707
Sub Total
43,857 62,264 118,728 261,046 115,662 601,557 1,020,983 419,426
Promotional
Film (3 Films/ 6 Lang) 60 30,271
21,905 37,650 2,635 92,461 95,540 3,079
Film Viewings at Village Level (at Euro 5 / viewing) 61 6,271 3,077 2,011 9,347 -5,206 15,500
-15,500
Handbills/Flyers/etc (5 types/ 6 lang, 30 million pieces at Euro 0,0025 piece)) 62 4,031 2,061 1,107 8,275 -4,216 11,258
-11,258
Board Games etc 63 3,019 2,746 1,697 19,639 9,363 36,464 111,281 74,817
31 | P a g e
Awareness creation/animators/comm organizers 64 1,972 26,072 33,793 84,874 87,580 234,290 489,568 255,278
Contests 69
102
4,286 4,388 11,531 7,143
Sub Total
45,563 33,956 60,616 159,785 94,442 394,362 707,920 313,558
IGA
Training Support (construction/Plumbing/consumables) 53
4,849 14,104 161,233 -12,211 167,974 253,873 85,899
Sanitation Investment Fund 81
29,813 58,379 50,658 127,011 265,861 249,850 -16,011
Misc. environment support * 59 65,951 23,324 -13,955 166,488 -445 241,364 299,808 58,444
Sub Total
65,951 57,986 58,528 378,379 114,355 675,199 803,531 128,332
Output Based aid (increase 300 - 1140)
All Villages 50% coverage (assuming 100%, Euro 1.25) 56 163,134
-14,115 151,444 120,513 420,976 500,421 79,445
Villages 70% coverage (assuming 80%, Euro 2.5) 57
14,244
14,244
-14,244
Villages 95% coverage (assuming 80% euro 2.5) 58
0
0
Nirmal Gram Incentive GOI 100%
Sub Total
163,134 0 -14,115 165,688 120,513 435,220 500,421 65,201
International Travel/Study Tours/ Conf 51 2,704 12,383 -4,524 17,251 2,366 30,179 65,814 35,635
Workshop 52 8,017 3,111 25,029 58,517 5,920 100,594 170,565 69,971
Healthdata Collection, Monitoring,Evaluation,etc 54 74,821 7,975 12,488 63,970 104,610 263,864 307,968 44,104
Sub Total
85,542 23,469 32,992 139,737 112,895 394,636 544,347 149,711
Independent mid-term and final evaluation
Financial Control WASTE (AVK) 817
0
Accountancy Cost WASTE (AVK) 24
0
0
PIT Financial / secretary (AVK) 25 1,452 13,396 20,458 17,051 -11,833 40,524
-40,524
PIT Talic National Support (AVK) 26 2,203
2,203
-2,203
Project office expenditure India (AVK) 27 4,254 2,567 10,326 44,765 -5,634 56,278 125,648 69,370
Office Infrastructure India (AVK) 28 1,974 8,145 8,603 0 857 19,579 27,579 8,001
Total overhead
9,882 24,108 39,387 61,816 -16,610 118,584 153,227 34,643
GRAND TOTAL
550,065 288,324 466,219 1,249,585 670,915 3,225,107 4,575,000 1,349,893
32 | P a g e
DGIS Fiche
A. Project Details
Name activity Financial Inclusion
Improves Sanitation
and Health (FINISH)
Organisation of
implementation
WASTE
Countries of
implementation
India
Activity
number
19866
Date of
reporting
28/6/2013
B. Planning
Investments Drinking Water Sanitation Total
1.Contribution DGIS € € 2,554,192 € 2,554,192
2.Contribution other
ODA (Indian Govt.
subsidy)
€ € 2,621,899 € 2,621,899
3.Contribution non-
ODA
€ € 4,932,036 € 4,932,036
4.Total € € 10,108,126 € 10,108,126
Output (# of people) Drinking Water Sanitation
5.Total number of
beneficiaries
(#) 818,805
6.Numbers attributed
to DGIS
(#) 206,901
7.Unit price (4) / (5) € 12.3
For use by the DGIS
Department of Water
and Environment
Initials
Date
33 | P a g e
C. Attribution of output
Output
Period Drinking water Sanitation
Total # of people
provided
# of people
attributed to
DGIS input
Total # of people
provided
# of people
attributed to
DGIS input
2007
2008
2009
2010 650,000
2011 1,100,000
2012 818,805* 206,901
2013 1,418,805 250,000
2014 2,418,805 275,000
2015 2,918,805 300,000
Total 2,918,805 300,000
*This is due to the downward adjustment
D. Sustainability
Period 20 .. , 20 .. (if applicable)
Drinking water Sanitation
Number of checks (# samples
drawn)
# #
Number still functioning (%
properly used facilities)
% %
Corrective measures taken YES / NO YES / NO
E. Comments
Sustainability is targeted in a number of different ways: 1. Sanitation awareness raising leading to increased demand for toilets. This demand is met
through a number of different financial routes (see text, in response to the MFI crisis in India)
2. UNU has started the first impact analysis with Sambhav in Gwalior, Madya Pradesh (urban) 3. Output based aid payments have been effected with few partners, e.g. Amul in Gujarat. 4. The numbers have been adjusted downwards as has been specified in the text.
34 | P a g e
Annex 2: Activity wise Yearly Progress Summary Data: FINISH ( State: FY: 13-14)
Sl No
Activity
Particulars Total
Bihar/JKD Rajasthan&MP Odisha UP Maharashtra Gujarat Tamilnadu Total
A
Awareness Campaign
Number 500 86 39 32 2 97 756 No. of People Covered 15000 9000 2410 155 226 8345 35136
B
Film Showing Number 665 120 273 18 22 59 20 1177 No. of People Covered 15800 8250 19220 262 2700 3702 719 50653
C
Leaflets Distribution (av 5 persons / leaflet)
Number 3400 3000 7500 65 9300 15000 5260 43525 No. of People Covered 17000 15000 37500 325 46500 75000 26300 217625
D
Wall writings (av 500 persons / WP)
Number 43 65 17 16 10 114 4 269 No. of People Covered 21500 32500 8500 8000 5000 57000 2000 134500
E
SHGs Meetings
Number 945 150 1110 98 81 153 77 2614 No. of People Covered 7020 2000 13000 2343 4326 2446 1988 33123
F
PRI Meetings Number 25 59 38 31 128 185 11 477 No. of People Covered 83 910 232 248 5140 897 133 7643
G
School Activity
Number 17 28 18 16 59 18 7 163 No. of People Covered 3400 4100 2063 165 7209 2076 374 19387
H
*Others; Street Play/etc.
Number 27 17 1 0 48 93 No. of People Covered 15000 1090 85 0 8100 24275
I
Animators Trainings
Number 10 3 6 2 2 1 24 No. of People Covered 197 80 116 42 48 20 503
J
Ref.Animators Trainings
Number 4 1 0 0 5 No. of People Covered 180 45 0 0 225
K
Mason Trainings
Number 8 2 3 3 2 18 No. of People Covered 153 65 67 70 47 402
Total
Events 5640 3517 9021 280 9607 15677 5379 49121
Total
People 95153 72085 84198 11670 71219 157633 31514 523472
35 | P a g e
List of Stakeholders in FINISH
Partners PIT Members Government Agencies
PMB & GB Members
Banks / Financial Institutions INGOs
Corporate/ Others
Gram Jyoti Mrs. Sapna Verma Singhal NABARD
Mr. Valentin Post
Canara Bank UNICEF
Hindustan Zinc Ltd
LJK Mr. Saurabh Pandya
Government of Rajasthan
Mr. N.K.Perumal
Punjab National Bank World Vision ACCESS-ASSIST
Needs Mr. Saurabh Agnihotri
District Administration
Mr. Joydeep Roy
Bank of India
Habitat for Humanity
Swarana Pragati Housing Micro finance Pvt.Ltd
GSBS Mr. Sarojkant Chaudhary 1. Dungarpur
Mr. Theo Brouwers
Manveeya Holding (Oiko Credit)
Navjagriti Mr. Santosh Kashyap 2. Udaipur
Mr. Suresh Krishna
L&T General Insurance ICCO
Gram Jyoti Mr. Roshan J 3. Bhilwara Ms. Britta Augsburg
National Housing Bank
CDOT Mr. Rangarajan Nagarajan 4. Chittorgarh
Mr. Sadanand Bhave NABARD
NIDAN
Mr. Rakesh Kumar Mewara - LTI 5. Tonk
Mr. A. Sahasranaman
IKARD Mr. Pradeep Mohanty 6. Alwar
Mr. Abhijit Banerji
BJUP Mr. Nirbhay Singh 7. Baran Mr. Vijay Athreye
Co-Idea Mr. Nehal Ashan - UNICEF 8. Jalna
Mr. C. Gopalakrishnan
RUCHC Mr. Naveen Rajoriya - UNICEF 9. Deogarh
Mr. Saurabh Pandya
READ Mr. Naval Sharma - UNICEF
Mr. Saurabh Agnihotri
DA Mr. Khengarbhai Jethabhai Rangi
Mr. Pradeep Mohanty
IHDAWC Mr. Kailas Sawant
SEDP Mr. Gaurav Bhagat
PARIVARTAN Mr. Devdeep Saha Mercy Foundation
Mr. Ashutosh Agarwal
Gram Utthan Mr. Arunav Chakraborty
DNC Mr. Anil Sawant- UNICEF
NIGAM Mr. Abhijit
36 | P a g e
Banerji
Sebajagat Mr Kshirod Jenamani - LTI
Kalpavrikshya Mr Rajesh Chaturvedi
BASK Mahasakti Foundation
Peoples Forum
RRDC
SMCS
Swayamshree
BMASS, JNP
BMASS, Katu
AMUL
Prayas
GVT
MDRTTC
NCT
IRCEDE
Sacred
Dharni
SANCHETANA UNICEF- DUNGARPUR
Anchalik
Kalyani
DNS
VAMA
Cashpor
NYST
SIR
SRAJAN
PACE
AHEAD
BWDC
RDO
MNEC
GRAMIAM Gram Bikas kendra
37 | P a g e
National Allaince for Microfinance (NAM) Janseva Gramin Vikas & Shikshan Pratishtan
Navya Disha
38 | P a g e
39 | P a g e
Annex 3: Supply Chain Model
unicef/govt.• State Govt. /UNICEFMOU to FINISH
Demand Generation• Motivation•Audio/Video Aids•Community Meetings•PRI Workshops•Community Led Total Sanitization
Localization• Explore and Analyse Local Entrepreneur•Presenting Business Case based on Risks and Rewards Model•Align Enterpreunsers with New Technologies', pertaining to reducing their cost model and increase profitability
Aggregation•Using Cluster approach, create mutually beneficial relationship between Local Entrepreneurs and Major Vendors pertaining to Larger Financial Credit lines for Raw Material & Production
D
I
S
C
O
V
E
R
D
I
S
I
G
N
D
e
l
i
v
e
r
Specifications• Work within the suggested guidelines of Govt Technical and Budgetary specifications.
INSIDE the BOX•Innovations at it’s best, leveraging Industry experience and channelizing the same into practical, sustainable, and profitable results.
Research & Analysis•Continuers Improvement in Design using deep down expertise of Local Entrepreneurs / Vendors..
Transportation• ON-SITE delivery of the finished product delivered by Vendor/Supplier under the supervision of FINISH.
Installation• Stake Holder / Beneficiary’s responsibility for assembling the structure.
Approval• FINISH & Respective State Officials approve Structure based on Compliance.
RESULT• Cost Effective and Profitable, Socially driven Enterprise Model,, i ..
BUSSINESS 3D MODEL
40 | P a g e
Annex 4: UNICEF partnership in Maharastra: A partnership was created with SACRED-Aurangabad, Unicef, Mumbai and Finish Society for the project namely “Creating Sanitation Foot Print in selected GPs of Bhokardan Block of Jalna District”. It strated on 1st February 2014. The service area comprises 67 Villages and 52 Gram Panchayats from Bhkardan Block of Jalna District covering 24,878 Households and a population of 132,319. Details are below. The objectives of the project are as follows- Mobilize community to demand sanitary services including adopting hygiene
practices. Bring about behavioral changes in the community for improved water sanitation
and hygiene (WASH) practice. Accelerate the sanitation coverage and usage in the identified Gram Panchayat of
Bhokardan block of Jalna District by building local capacities for toilet demand and supply.
Setting up and operating of a one stop shop in form of Rural Sanitary Mart (RSM) FINISH will try and meet sanitary hardware requirement by facilitating the linking
of individual household with NBA and MGNREGA and also by offering wide range of technology choices. While FINISH together with UNICEF will try and facilitate access to these subsidies yet the same cannot be guaranteed which may adversely impact construction.
To make community own the program by ensuring participation through existing or new village level sanitation committee.
To make available relevant and affordable micro-health insurance products to the community and provide an incentive for those having sanitation facilities.
Create supplementary livelihood for field workers through distribution and servicing of insurance products.
Activities Carried Out: In view to build the local team of animators and project staff, we organized the
Training of Animators from implementing partner SACRED-Aurangabad, at Kailas Mangal Karalaya-Bhokardan, Dist, Jalna, during 21st to 23rd February 2014. In this training there were 22 participants.
A 2 days CLTS practical training under expertise of Mr. Naveen Kumar from Rajasthan and Mr. Saurabh -ZC-West during 24th and 25th February 2014 at Village Jainapur Kothara and Goshegaon respectively was carried out. There were 226 participants. All the team members appreciated the usefulness of the technique /tool not only to enhance the awareness among project community on safe sanitation but also to generate the demand for sanitation system construction. This exercise helped all the team members to understand the innovative way to create the sanitation awareness and demand. At the end of training all members were very happy to learn CLTS tool.
In view to validate the baseline data of sanitation project implemented in Bhokardan Block of Jalna District we visited the Village Kothara Jainpur and Mohalai on 13th& 14th March 2014 respectively. All the project team members including the
41 | P a g e
villagers realize the benefit of concrete and well validated data for effective project implementation.
We organized the two days training of Animators on Use of IEC material on 3rd and 4th April 2014 at Panchayat Samittee Bhokardan. 20 participants were attained this training programme. During this training we also organized the practical exercise on use of developed IEC tools in villages namely Baranjala Sable and Nalni Br. In Bhokardan block. The participants understand the process of use of IEC tool and realize the effectiveness of different IEC tools for community awareness and demand generation for safe sanitation systems.
We organized the mason training at village Janephal Dabhadi during 9th to 12th April 2014. There were 22 mason participants. During the training we constructed 2 prefabricated toilets, 1 UDDT and 2 regular brick masonry toilets etc. Response masons to the mason training was very excellent. All the participants were appreciated the input provided. Mr. Lonkhande, BDO Bhokardan visited the toilet constructed during the mason training. He appreciated the prefabricated toilet model. During the closing ceremony we provided the certificate to all participated mason with hands of BDO Bhokardan.
Developed and distributed the IEC tools including poster, games and flip charts etc. Organized the 2 monthly review meeting of animators and project staff in view to
enhance project implementation. On 3rd May 2014 we organized the exposure visit Sarpanch, Teachers and villagers
from service area to Nirmal Gram award winner village namely Patoda Tal & Dist. Aurangabad. There were 72 participants. Mr. Bhaskarrao Pairepatil, promoter of Nirmal Gram Patoda was shown the toilets and cleanliness maintained in village with other activities and explained the process under take to achieve the Nirmal Gram Status. All the participants were motivated by the safe sanitation work in Village Patoda.
We conducted the series of meeting with District as well as Block level Government authorities for establishment of Sanitation Park with rural sanitary mart [RSM] at Panchayat Sammittee Bhokardan of Jalna District. Finally the Ms. Perna Deshbhartar [IAS], CEO Jalna has given the green signal for establishment of RSM and Sanitary Park by FINISH Society at Bhokardan.
In view to promote the micro health insurance initiatives in service area, we selected the 10 MISP’s. In coming month we have plan to organize the capacity building training of selected MISPs.
Key Challenges: The key changes in the project are as follows- Establishment of adequate and efficient supply chain to address the demand created… Establishment and Strengthening of CBOs viz. VWSSC/VPDC... Motivation and Capacity building of IPs and project staff for effective project
implementation.