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Ashoka housing for all
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2. HOUSING FOR ALL TEAM
HILTI Meeting Participants
Vishnu Swaminathan
Housing for All Program Director - India
vram@ashoka.org
Valeria Budinich
Chief Entrepreneur
vbudinich@ashoka.org
Jacques Rajotte
Housing for All Program Director - Brazil
jrajotte@ashoka.org
Iman Bibars
Director - Ashoka Arab World
ibibars@ashoka.org
Sadna Samaranayake
Learning Team - India
ssamaranayake@ashoka.org
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33. HFA OBJECTIVES
“Trigger a fundamental shift in the way the business sector, citizen sector, and
government sector work together”
Pilot Demonstrations:
Objective 1 • New Homes
• India
Demonstrate the power of business/social • Home Improvement
alliances to address the housing needs of low- • Brazil
income people through sustainable business • Colombia
models scalable to diverse housing country
• Egypt
environments
Objective 2
Enable a global competitive housing market of • Advancing innovation
product and service providers serving millions of • Learning dissemination
low-income families around the world • Enabling policies
• Mobilize resources
• Entrepreneurship
40. India
MODELS OF ENGAGEMENT
➊ CSO as Exclusive Demand Aggregator - This has proven to be a very simple and direct
engagement between developer and CSO. Scale up will primarily happen through this model
➋ CSO on Board of Directors- This model has shown deeper engagement between CSO and
developers and key learnings have come in the area of customer nance requirements
➌ CSO as Joint Venture Partner - Large CSO will like this model and already the model has
seen favorable collaborations outside Gujarat as well
➍ CSO as Design Partner - CSO’s with design and architecture skills see a great collaboration in
this model of engagement
41. India
IMPACT
• 4 States - 10000+ homes by mid
2011
Ahmedabad
2400+ homes
3 models
5 partnerships • Aim for One state - One Pilot
Pune
750+ home`s
2 models
3 partnerships • 4 models of engagement but
evolving models between
Bangalore Chennai
3000+ homes
partners
3000+ homes
2 models 1 model
3 partnerships 3 partnerships
• Over $100 mill in market creation
45. India
KEY STRATEGIES FOR SCALE UP
➊ Housing for All Platform - An online and offline tool which enables all stakeholders to get
together to deliver high quality homes for the low income population without the need for hand-holding
➋ Affordable Housing National Standard - A national policy for India drafted with the
learnings of Ashoka and all global partners leading to setting up of a Affordable Housing Council
➌ HILTI-Ashoka Entrepreneurs - A special category of Entrepreneurs focussed on housing
including - design, government intervention, property rights and all areas of housing for the under served.
➍ Homechangers - An ongoing urban design challenge scouting and documenting the best ideas on
the open source platform for affordable housing
47. India
POLICY PLAYERS
Council
Thought Leaders Panel
Knowledge Experts
Energy Construction Design Environment Community
Sept-Nov 2010 Dec-Feb 2011 Mar-May 2011 June -Aug 2011 Sept - Nov 2011
51. Brazil
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52. Housing Brazil Brazil
for All
The MODEL SCALE-UP
Financial Citizen sector • Expand with Banco do • Strategic alliances
Access to housing micro credit Nordeste (>600,000 clients) of Cearah Periferia with oth
Institutions organizations • Engage new nancial social organisations
institutions
• Caixa Economica Federal
Access to technical assistance and (Construcard: >200,000
related services clients)
• Santander MicroCredit
(>120,000 clients)
• Santander (8 million clients)
53. Housing Brazil Brazil
for All
Lindalva and Ilo dream to build a house big
enough for their three children and sister-in-
law.
Today they all sleep in one room, but their
dream is to build a room for each of their
children.
Reforma Mais has provided them with credit
and technical assistance for starting to build
a second floor to their home. Over time, the
floor will accommodate three rooms, a
Ilo (right-hand) a service area. dream on
bathroom and drew his family’s
paper. With Reforma Mais, Ilo and his family
were able to translate that drawing into a
new space for all the family to enjoy.
One of the immediate benefits of home
improvement is to provide privacy to both “It’s been wonderful; we plan to pay it all back and then move on to the
next phase.”
parents and children.
54. Brazil
The MODEL PARTNERS
Eliminate Barriers to Access for Home
Improvement for Low-income
Populations
• Financial institutions
• Manufacturers • Low-income housing
• Retail stores organizations
• Professionals • Dwellers associations
• Marketing research • Community
• Social venture fund associations
• Foundations
55. Brazil
2010-2011 Action Plan
Development of a
Creation of a Fund Development of
web b2s platform
Raise awareness in partnership with Source innovations Home
for home
IDB Improvement Fund
improvement
Consolidate know- Partnership with
how and best
Promotional Incubate new Changemakers for Access to capital for
practices, and
campaign solutions Global Housing housing loans
promote new
partnerships Competition
56. Brazil
ADVISORY COMMITTEE
Main Proposals
• Proposal to FGTS - Housing Microcredit Fund
• Guaranty Fund for Microcredit
• Construcard (Caixa Economica) – Compulsory technical assistance
• Committee on Home Improvement - Council of the Cities
• Create a “Clube da Reforma” Seal
57. Brazil
IMPACT 2014
EXTERNAL ADOPTION
AND
40,000-60,000 100,000-200,000
FAMILIES/YEAR FAMILIES/YEAR
STARTING WITH 2014 STARTING WITH 2014
61. Colombia
HOME IMPROVEMENTS - COLOMBIA
Business Citizen Sector Organizations
HFA Colombia Program Objectives
Demonstrate that home improvement solutions can be delivered profitably and at a scale by companies
partnering with citizen sector organizations (Phase 1 - completed)
Enable a sustainable and scalable system to deliver integrated housing solutions: TA + building materials +
construction services + financing (Phase 2 – in-progress)
62. India
HFA COLOMBIA HIGHLIGHTS
At the level of Colceramicas (Phase 1)
28,000 families benefited
Over US$ 11.7 million in sales by Colceramicas (ex. ceramic tiles and bathrooms)
179 new jobs created for women serving as sales promoters in 8 Colombian cities
Program continues its national expansion as a profitably business unit
At the level of a new consortium of companies and CSO’s (Phase 2)
Finalizing business plan and core partnerships for HIFE, new home improvement
financial entity to be launch the first quarter of 2011
Developed business plan for Alianza para una Vida Digna, a new sales and distribution
network – owned by CSO’s - being launched in December’2010
65. Egypt
HOME IMPROVEMENTS - EGYPT
Business Citizen Sector Organizations
Communities buy in
Two private sector partners
Three universities on board
as partners
HFA Egypt Program Objectives
Establish Housing for All Centers as profitable models to deliver financing for home improvement and
technical assistance
Explore partnerships with formal financial institutions and large private companies
66. Egypt
AL DAWAR - PRODUCTS & SERVICES
Home Improvement Microfinance
Al Dawar Cooperative enables Microfinance institutions of Fellows to provide credit in 4 different sub regions
Micro credit operations will breakeven in 40 months and continue to grow HFA centers
Technical Assistance
Al Dawar HFA centers will provide TA to clients through their civil engineers and agreements with Universities
Building Material through Private Sector Suppliers
Construction companies will provide material to Al Dawar as a business transaction
68. Egypt
NEXT STEPS FOR SUSTAINABILITY
In five years, HFA will have improved and/or constructed 18,355 housing units and provided 44,600 working construction days
AL Dawar cooperative will expand to other housing products in the future. It will start with 4 MFIs but in 5 years will include at least 8 MFIs
14%
Ashoka + CSO’s
35%
Communities in need for Homes
Business Sector + Housing Companies
51%
71. CONSOLIDATED LEARNINGS 2008-2010
What has not worked
Initial local partners in Brazil were not strong and as a result Ashoka ended up too involved at the grassroots
level
In the rst pilot, we tried to do too much as opposed to focus on a few variables like nancing + technical
assistance
Ashoka’s slow recruitment process has generated delays in the launching of some of the pilots
What worked!
Rapidly mobilized signi cant partnerships with leading companies and citizen sector organizations in four
countries
Leveraged the knowledge of Ashoka Fellows and their local networks
Established the basis for the launching a global housing community of like-minded partners entrepreneurs
72. KEY SUCCESS FACTORS
➊ Appropriate local market context and competitive environment
➋ Mission alignment for all entrepreneurs involved: pro t & impact
➌ The right balance in terms of scale and motivation of partners
➍ Scalable Win-Win value propositions for ALL partners
➎ Strong networks at the community level
➏ Focus, Focus, Focus
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74. EVOLUTION OF ASHOKA’S ROLE
Hands-on Facilitator Market Enabler
Enabler of Platforms for
Engage One Partner at a Time
Collaboration & Learning
One Pilot at a Time Industry Transformation
75. HOUSING FOR ALL OUTLOOK - 12M
Scaling up
Country
level
Global Applications
Knowledge
Platform
• Re ning Models
Launch • Accelerating Impact
Summit of
Entrepreneurs • Learning Tools
Dec’ 2010 • Housing Innovation Report
• Global HFA community
• Enable self-multiplying HFA
applications