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VISION

VISION. Our vision is a World, Where all children are in school; poverty is eradicated; women are empowered; democracy stems from grassroots; healthcare is for all; and development is sustainable. HAND IN HAND PROGRAMMES. Our Mission Integrated Community Development Programme of.

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VISION

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  1. VISION Our vision is a World, Where all children are in school; poverty is eradicated; women are empowered; democracy stems from grassroots; healthcare is for all; and development is sustainable.

  2. HAND IN HAND PROGRAMMES Our Mission Integrated Community Development Programme of Child Labour Elimination & Education Health & Hygiene Village Upliftment Program SHG & Microfinance Environment Protection Citizen’s Centres (VKCs)

  3. Concur with MDGs Our vision, Mission and Work touch the 8 Millennium Development Goals in one or the other respect

  4. MICRO FINANCE PROGRAM • 445,808 women into 30,700 SHGs covering 7,305 villages through 3,955 Panchayats, across 4 States • Economic Assistance to 383,826 members for micro & medium enterprises • 921 medium sized enterprises • Various Vocational and Enterprise trainings imparted to 18,564 members • INR 1,245 million (US $ 26 million approx.) Microfinance to 201,271 members • INR 1,024 million (US $ 21.5 million approx.) facilitated as bank loan linkage to 182,555 members • Innovation is THE WAY

  5. MICRO FINANCE PROGRAM Innovation is THE WAY • Innovative Micro Finance Products • Pregnancy Loan • Bicycle Enterprise Loan • Vermi Compost Enterprise Loan • Staff Retention Programs • Incentivising Education in Micro financing

  6. MICRO FINANCE PROGRAM Pregnancy Loan Product (Only Pilot) • Academic Institution +NGO-MFI Partnership between The Centre for Innovative Financial Design of IFMR & Hand in Hand • Pregnant SHG Members-Target • To tackle foreseeable/Post Natal expenses • Savings Linked Loan Product • Savings from date of Pregnancy confirmation • 5 times the accumulated savings • Savings to be monitored by SHG only • Loan Money to be given to authorised person in family / SHG • Mixed conclusions on efficacy • Can take up with suitable modifications • May not be able to scale

  7. MICRO FINANCE PROGRAM Bicycle Enterprise Loan(Only Pilot) • Pvt. Mfg. Company + NGO-MFI Partnership between TI Cycles of India & Hand in Hand • Women SHG Members-Target • Training by TI Cycles with certification • TI Cycles arranges bicycles/spares @ fair prices • Opportunity created by a Govt. Scheme • Immense scope to open shops • Environment supportive move • Path breaking & so hurdles • Labour Intensive • Women facilitate shops-men run the businesses • Fluctuating Price changes destabilise product

  8. MICRO FINANCE PROGRAM Bicycle Enterprise Loan(Only Pilot) • Margin of Rs.2,000 in cash or kind from member • Rs.12,000 as loan from HiH • Tenor is up to 15 months • Enables buy tools and spares worth Rs.2,000 • 3-4 bicycles worth Rs.10,000 • Choice of men and child bicycles more • Enterprise centric bicycle models in demand

  9. MICRO FINANCE PROGRAM Vermi Compost Enterprise Loan(Only Pilot) • Women SHG Members-Target • Training by Hand in Hand’s Environment Protection Team • Environment supportive move • Low labour intensity Needs only 2 to 3 hours work in a day • Capital intensive • Concept changing obstacles • Marketing deterrents

  10. MICRO FINANCE PROGRAM Vermi Compost Enterprise Loan(Only Pilot) • 10% Margin from members in cash or kind • Loan of Rs.25,000 to be given in 2 tranches • Loan tenor maximum up to 18 months • Single or group of up to 3 members work • Initially try the end product in their gardens/farms

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