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Revolving fund for Sanitation PPT

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					                        FINISH workshop
                                   on
Social Investing to Enhance and Sustain Rural Sanitation Coverage
        on Achieving Performance while being responsible


                          Sanitation Financing
               Revolving Loan Fund for Sanitation
                              in Tamil Nadu
                             M.Subburaman
                              Director - SCOPE



March 22nd 23rd, 2011                                   New Delhi
Reason :
• Lack of awareness to public
• Importance of IEC not realized.
• Poor maintenance of infrastructure facilities
  in public toilets
• No location specified technology options.




 3/31/2012                     SCOPE-Trichy       2
Communities' perception of sanitation:

Building a toilet very expensive.
o An early morning stroll and open defecation is considered
inexpensive and easy.
o A toilet close to house is unhygienic and gives bad odor
o When there is no proper house to dwell, water for drinking
why worry about toilet.

Consequence :
• High infant mortality and under-nutrition due to open
  defecation and water borne diseases.
• People ignorant of close link between sanitation and
  health.
   SCOPE’s initiative : 1995
A baseline survey results in Musiri Block, Trichy
   District :
• Many houses had no toilets.
• Most toilets constructed not used due to poor
   quality and lack of privacy. (No Doors)
• About 80% of the people have spent part of their
   earnings for medical care and hospitalization,
   losing their wages also.
Action plan :
• Intensive awareness generation
• Close links with Government, Primary school
   teachers, Parents, Community , women’s groups
   and SHGs.
• Sanitary mart for supply of materials to house
   holders.
• Making available trained masons to house
   holders.
             Need of Revolving Loan Fund
• Government incentive for sanitation (Rs. 500 to 2,200)
  inadequate.
• IEC for motivation to demand toilet.
• Banks unwilling to advance loans.
• Only alternative NGO funding.
• NGOs have very limited funds and funding agents advance funds
  under very strict conditions and only small quantity.
SCOPE’ solution :
• Revolving fund with limited money given by funding agencies,
  Water Aid, UK based NGO and Raskhtria Mahila Kosh, New Delhi.
• Effective use of fund for giving loans to motivated families,
  insisting on family’s contribution, full support for construction,
  close monitoring of usage of toilet and repayment of loans, no
  interest / very low interest
• So that next batch of beneficiaries could be given loans.
• Sanitation funding SHOULD NOT BE just as a business venture.
• It should have a social goal.
• Secret of success of SCOPE programmes.
• The good will earned is continued even for Ecosan toilet
  construction.
      Strategies for RLF for toilet construction
             in Kattukkulam (1997 – 98)
Selection of beneficiaries:
• Meeting of community beneficiaries
   organized to explain the functioning of
   RLF and selection of beneficiaries.
• The beneficiary should be a member
   of a self help group, youth group or
   any CBOs.
• As per the desire of the families toilet
   cum bath room were promoted. (total
   96 – 100% village coverage) – NGP
   award winner.
• Repayment period TEN months.
Methodology :
• SHG animator and SCOPE staff work closely
  for toilet construction from site selection
  to usage after construction.
• Total cost for toilet construction Rs. 2,500
  in 1995.
• Deciding 500, for new toilet Rs. 1,000) for
  each family after discussion with the
  family.
• Signing the agreement with family
• Flexibility in putting additional funds helped families to
  plan for raising banana and other fruits which were
  useful to them and even helped sale to repay the loan.
• All constructed toilet cum bathrooms, used them fully
  and repayment of loans was 100%.




    SCOPE constructed total of 20,000 pour
    flush pit toilets between 1995 and 2003.
    Of this 12,000 were constructed under the
    RLF scheme.
                                Project Process
Pre-Implementation              Implementation              Post Construction
Sustained advocacy through      SCOPE received RLF funds    Ensures that the loan amount
participatory process and       from Water Aid              is properly used.
small group discussion, films   Received loan application   Continue health and
and wall paintings              from beneficiaries          sanitation advocacy



Other sanitation                The beneficiary is identified Continued Monitoring by
intervention –maternal and      by the SHG or                 SHG, SCOPE
child health, school            President/ward member of
sanitation etc.                 the village.
                                On their recommendation
                                the loan amount is
                                sanctioned.
                                                            Received repayments from
                                                            beneficiaries promptly and
                                                            fund available for giving new
                                                            loans.
                            IMPACT of RLF
• In Eight years period the number of original loan beneficiaries increased
  from 7,000 in 1995 to 12,000 in 2003 because of the RLF.
• Re payment 100%. Repayment period TEN months.
• All the houses in 30 villages are having 100% toilet-bathroom coverage.
• The sense of ownership created, ensures that all the toilets are used and
  are in good condition.
• Kitchen garden/green cover maintained, thereby income earned.
• The social status of the beneficiaries enhanced.
• Occurrence of diseases reduced.
• Attracted visitors from various places.
          Waste Venture Fund (WVF)
• WVF deposited in Indian bank as security deposit in
  the form of fixed time deposit which treat as
  revolving loan funds, an pay loans to beneficiaries at
  Ten percent interest.
• With this facility, advanced loans to 1437 toilets and
  repay is very satisfactory.
• Of this 25 are toilets linked bio gas units.
 Hollow block production centre
 • Two block production center with the
   loan amount of Rs. 3 lakhs.
 • One loan fully paid, and the second
   60 percent repaid as per the schedule.
Ceramic pan
• Ceramic pan three-in-one model
  production initiated in Vridhachalam and
  Gujarat at cost of Rs. 30,000/-
• FRP pan production with the support of
  WVF fund of Rs. 16,000 for making
  design.
• FIBRO Industries, Bangalore who have
  produced over 1,000 pans for
  distribution in many parts of country.
                      Research
• Research on urine application : From WVF Rs. 4.63 lakhs
  to Tamilnadu agriculture university for paddy research.
• Impact : Ecosan toilet scaling up research promoted and
  attracted.
• Funds for other research programme from other funding
  agencies.
• All these helped for inclusion of Ecosan as one of a
  model in
  Total Sanitation Campaign rules of the government of
  India in 2010.

				
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