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Delivery of Microfinance and the Sustainability of Microfinance Institutions

Delivery of Microfinance and the Sustainability of Microfinance Institutions. Can ABCD affect delivery and sustainability? by Martha Deacon Founder and CEO The Townships Project. Delivery of Microfinance and the Sustainability of Microfinance Institutions. Asset-Based Community

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Delivery of Microfinance and the Sustainability of Microfinance Institutions

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  1. Delivery of Microfinance and the Sustainability of Microfinance Institutions Can ABCD affect delivery and sustainability? by Martha Deacon Founder and CEO The Townships Project

  2. Delivery of Microfinance and the Sustainability of Microfinance Institutions Asset-Based Community Development 2 October 2010

  3. Delivery of Microfinance and the Sustainability of Microfinance Institutions Microfinance Loan Limitations: 20% max voluntary; 80% necessity “whack-a-mole” jealousy; Too many doing the same thing Building assets & infrastructure The Unicycle

  4. Delivery of Microfinance and the Sustainability of Microfinance Institutions Asset-Based Community Development Let’s use what we have to get what we want The Bicycle

  5. Delivery of Microfinance and the Sustainability of Microfinance Institutions Belief A community can use what it has to get what it wants – Coady International Institute St. Francis Xavier University Antigonish, Nova Scotia

  6. Delivery of Microfinance and the Sustainability of Microfinance Institutions Mathopestat November workshop in South Africa September course in Canada

  7. Delivery of Microfinance and the Sustainability of Microfinance Institutions Mathopestat in March New confidence, new Success in the fight against poverty

  8. Delivery of Microfinance and the Sustainability of Microfinance Institutions Case Study 1 - Individual Sanah saw herself as a victim. She was raped first when 8 years old by a teacher and then again at 18. She became pregnant and HIV positive. Distraught, she left her community in shame for Johannesburg. Unable to find work, she returned to her village and stayed with her mother, depending on grants. After an ABCD workshop, Sanah was empowered. She took the lead in organising a community forum, becoming vice chair and is now a respected, elected community leader. She told her story for the first time to a conference held in March in the Senate Chamber at UNISA – The University of South Africa. No longer a victim, she’s an advocate for those living a positive life with HIV. Sanah

  9. Delivery of Microfinance and the Sustainability of Microfinance Institutions • Case Study 2 – Business • Joel, 68, an unemployed pensioner • Started a poultry business • Bought a Farmers Weekly, read about raising broiler chickens • Invested his own funds, constructed a chicken coop outside his home • Started with 100 eggs; now sells his chickens every 6 weeks for R45 each • R32,000 ($4,500) a year business • He meticulously follows vaccinations and records all his expenses • Has since started a Business Society to mentor unemployed youth in his community Joel

  10. Delivery of Microfinance and the Sustainability of Microfinance Institutions Case Study 3 – Community The village formed a community forum and initiated a number of community projects on their own, based on their own priorities and with no initial outside funding. They began a community policing forum in association with the local SAPS office and started patrolling their streets. They started cleaning up the streets and built a fenced area for their cattle. They started a 2,000 ha community food project that is worked on by 100 villagers. The community forum now manages all their own partnerships.

  11. Delivery of Microfinance and the Sustainability of Microfinance Institutions How did they do that? • Asset-Based Community Development • Asks the question: What do we have? • Starts with appreciative inquiry • Builds the community’s balance sheet

  12. Delivery of Microfinance and the Sustainability of Microfinance Institutions • Asset-Based Community Development • Then the income statement • And then…

  13. Delivery of Microfinance and the Sustainability of Microfinance Institutions • The Leaky Bucket !! • What goes in? • What leaks out? • What stays inside and circulates to build community assets?

  14. Delivery of Microfinance and the Sustainability of Microfinance Institutions Leaky Bucket Exercise leads to Community Development Plan to generate more assets and income to create businesses and jobs

  15. Delivery of Microfinance and the Sustainability of Microfinance Institutions Asset-Based Community Development can turn the Unicycle of Microfinance…

  16. Where the community is focused on using what it has to get what it wants Into a School Bus!

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