project update_sanitation loan-v1
TRANSCRIPT
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
project update Sanitation Loan
28 April, 2015
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Develop a loan product focused on sanitation in collaboration with BRAC Microfinance and BRAC WASH programme
OBJ 1
Increase access to hygienic sanitation among the poor and non-poor population in the 20 selected branches
OBJ 2
OVERVIEW
Integrate mobile money service for transaction
OBJ3
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
OVERVIEW
Client Minimum Maximum Payback time
Households BDT 1,000 BDT 10,000 >5000, 3/6 Months<5000, 3/6/12 Months
Sanitation Entrepreneur BDT 10,000 BDT 50,000 3/6/12 Months
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
OVERVIEW
March, 2016•Number of loan disbursed
– HHs: 957; Average : BDT 9157; Total disbursed: BDT 87.93 lacs – Sanitation entrepreneur: 10; Average: BDT 43,000• Total wallet opened : 333• Transaction through bKash: 67• Probable member from WASH: 1507
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
OVERVIEW
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
OVERVIEW
My latrine has become the model latrine in my village
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
CHALLENGES
• Acquainting clients with the use of bKash
• Differentiating sanitation loan with good loan
• Ensuring proper utilization of the loan
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
OBSERVATION
• Demand for sanitation loan is high (complete sanitation package)
• Push households for better sanitation
• Collaboration ensure effectiveness and efficiency of the work
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
OBSERVATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
OBSERVATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
observation
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
PROFILING
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Multiple loan and
sanitation
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
5
3000-5000
Multiple loan and
sanitation
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
25
3000-5000
Multiple loan and
sanitation
10,000
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Underspent (8)
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
6
Consumption/well-being
Underspent (8)
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
26
Consumption/well-being
Underspent (8)
Agri-business
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Overspent (9)
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
6
Savings
Overspent (9)
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
36
Savings
Overspent (9)
Other informal sources
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Why
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
WhyWell-beingSafe
environment
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Own latrine
WhyWell-beingSafe
environment
Easy processes
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Own latrine
Social status
WhyWell-beingSafe
environment
Easy processes
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Social status
INFORMATION
‡Q‡j †g‡q eo n‡q‡Q, mvgvwRK cwi‡ek I ¯^v¯’¨ m¤§Z|
Ab¨ FY Mªnb Ki‡j mÂq w`‡Z nq Ges wewfbœ mgm¨vi g‡Lvg~wL n‡Z nq GRb¨ j¨vwUªb wbg©v‡bi Rb¨ GB MÖnb K‡ib|
fvj j¨vwUª‡b cwi‡ek fvj _v‡K| bZzb AvZ¥xq¯^Rb G‡j fvj ej‡e| G‡Z mvgvwRK gh©v`v eªw× cv‡e|
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Source of info
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Field staff
Source of info
DABI PO
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Instalment
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
bKash
Instalment
VO
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
12
Uses cell phone Knows about bKash
7
INFORMATION
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
12
Knows about bKash
3
INFORMATION
Uses cell phone
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
INSIGHTS
• Naming of sanitation loan prompt clients to opt out this loan and ensure proper usage
• Since the loan product doesn’t prompt any direct ROI from client’s end, it would be better to pilot in more branches with the same feature
• Current awareness on hygiene related issue seems to be a factor in being more concern about ensuring proper sanitation services
• Households having savings could be less riskier borrowers than those of not having any savings
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
observation
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
Many rural poor and non-poor households do not have access to “Better Sanitation”
*Better Sanitation: Hygienic (Water seal), Adequate light, Robust wall, Running water, Double pit
PROBLEM STATEMENT
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
PROBLEM STATEMENT
Observations: Educational level low, Economical condition average Awareness level average, Media access medium (TV, Mobile, local channel etc )
Ultra poor Poor Non-poor• Landless household
• Homeless household
• Day-labour household head
• Less than 10 decimal of agricultural land
• No fixed source of income
• Disabled or 65+ years old female-headed Household
• Up to 100 decimal of land (agricultural and homestead)
• Sell manual labour for Living
• Household that do not fall in any of the other category
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
ROAD TO INSIGHT
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
INSIGHTS
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan “How might We”
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
OPPORTUNITY STATEMENTS
• How might we aware rural poor & non-poor people about better sanitation for healthy and standard life so that they will accept or appreciate sanitation loan offer if needed. (Behavioral)
• How might we ensure sanitation loan offer more attractive or popular to our clients so that they can take loan for better sanitation. (Informational)
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
PROPOSED PACKAGES
Informational package
Loan product info Latrine cost info Contact bkash use
Behavioral package
Guideline Example of good practice Ranking Sticker (inside and outside)
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Sanitation Loan
MEDIA WE CAN USE
For behavioral package:Pictorial card (folding)Audio-visual promotional itemsSticker A jingle for mobile
For informational package:Staff Orientation (WASH/Microfinance)Flash card or brochureDigital poster for group meetingGuideline
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
Concepts
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
facebook.com/BRACWorld www.brac.net twitter.com/BRACWorld
observation