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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