Valeria BudinichChief [email protected]
Iman BibarsDirector - Ashoka Arab [email protected]
Vishnu SwaminathanHousing for All Program Director - [email protected]
Jacques RajotteHousing for All Program Director - [email protected]
Sadna SamaranayakeLearning Team - [email protected]
HOUSING FOR ALL TEAMHILTI Meeting Participants
HFA OBJECTIVES
“Trigger a fundamental shift in the way the business sector, citizen sector, and government sector work together”
Objective 1Demonstrate the power of business/social alliances to address the housing needs of low-income people through sustainable business models scalable to diverse housing country environments
Pilot Demonstrations: • New Homes
• India• Home Improvement
• Brazil• Colombia• Egypt
• Advancing innovation• Learning dissemination• Enabling policies• Mobilize resources• Entrepreneurship
Objective 2 Enable a global competitive housing market of product and service providers serving millions of low-income families around the world
HOUSING FOR ALLINDIA
36
Developer CSO
Land
Retail Housing Finance providers
Architects, Suppliers etc
Housing for All as the enabler
India
Price of Homes Household income p.m
> 50 Lakhs INR(>100,000 USD)
> 75,000 INR(>1800 USD)
H
Home Improvements
> 20 lakhs INR(>40,000 USD)
> 40,000(>900 USD)
>4 lakhs INR< 15 lakhs INR
(>8,000 & <30,000 USD)
>8,000 < 25,000
(>200 & <500 USD)New Homes
< 4 lakhs INR(<8,000 USD)
< 8,000(<200 USD)
HFA INDIA TARGET SEGMENT
India
STAKEHOLDERS OF HFA INDIA
DEVELOPERS + CSO’S + ARCHITECTS BENEFICIARIES FROM OLD TO NEW HOUSING
India
HOUSING FOR ALL - DESIGN
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
India
• 4 States - 10000+ homes by mid 2011
• Aim for One state - One Pilot
• 4 models of engagement but evolving models between partners
• Over $100 mill in market creation
IMPACT
Ahmedabad2400+ homes
3 models 5 partnerships
Pune750+ home`s2 models 3 partnerships
Chennai3000+ homes1 model 3 partnerships
Bangalore3000+ homes
2 models 3 partnerships
India
42
0
37500
75000
112500
150000
2008 2010 2012 2014 2016 2018 2020
HFA Impact
MOVING FORWARD
India
43
0
15000000
30000000
45000000
60000000
2008 2010 2012 2014 2016 2018 2020
HFA Impact Housing Demand
CAN WE MATCH THE DEMAND?
India
44
0
17500000
35000000
52500000
70000000
2008 2010 2012 2014 2016 2018 2020 2030 2040
HFA Impact Housing Demand Potential Impact
HFA POTENTIAL
India
KEY STRATEGIES FOR SCALE UP
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.
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
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
➍ Homechangers - An ongoing urban design challenge scouting and documenting the best ideas on the open source platform for affordable housing
India
HOUSING FOR ALL PLATFORM
India
POLICY PLAYERS
K n o w l e d g e E x p e r t s
T h o u g h t L e a d e r s P a n e l
C o u n c i l
Energy
Sept-Nov 2010
Construction
Dec-Feb 2011
Design
Mar-May 2011
Environment
June -Aug 2011
Community
Sept - Nov 2011
India
BUILDING HOMES, BUILDING A FUTURE
India
HOUSING FOR ALLBRAZIL
Private sector
Financial Institutions
Soci
al O
rgan
izatio
ns
Public Sector
Brazil
HFA BRAZILAdvisory
Committee}
Financial Institutions
Citizen sector organizationsAccess to housing micro credit
Access to technical assistance and related services
Housing for All Brazil
• Expand with Banco do Nordeste (>600,000 clients)• Engage new "nancial
institutions• Caixa Economica Federal
(Construcard: >200,000 clients)• Santander MicroCredit
(>120,000 clients)• Santander (8 million clients)
The MODEL
• Strategic alliances of Cearah Periferia with other social organisations
SCALE-UP
Brazil
Housing for All Brazil
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 bathroom and a service area.
“It’s been wonderful; we plan to pay it all back and then move on to the next phase.”
Ilo (right-hand) drew his family’s dream on 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 parents and children.
Brazil
• Financial institutions• Manufacturers• Retail stores• Professionals• Marketing research• Social venture fund
• Low-income housing organizations
• Dwellers associations• Community
associations• Foundations
Eliminate Barriers to Access for Home Improvement for Low-income
Populations
PARTNERSThe MODEL
Brazil
2010-2011 Action Plan
Development of a web b2s platform
for home improvement
Promotional campaign
Creation of a Fund in partnership with
IDB
Partnership with Changemakers for
Global Housing Competition
Development of Home
Improvement FundRaise awareness Source innovations
Incubate new solutions
Consolidate know-how and best practices, and promote new partnerships
Access to capital for housing loans
Brazil
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
ADVISORY COMMITTEE
Brazil
40,000-60,000FAMILIES/YEAR
STARTING WITH 2014
100,000-200,000FAMILIES/YEAR
STARTING WITH 2014
EXTERNAL ADOPTIONAND
IMPACT 2014
Brazil
HFA GLOBAL VIDEO PREVIEWBRAZIL FOCUS
HOUSING FOR ALLCOLOMBIA
Business Citizen Sector Organizations
HOME IMPROVEMENTS - COLOMBIA
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)
Colombia
Enable a sustainable and scalable system to deliver integrated housing solutions: TA + building materials + construction services + financing (Phase 2 – in-progress)
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
India
HOUSING FOR ALLEGYPT
Business Citizen Sector Organizations
HOME IMPROVEMENTS - EGYPT
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
Communities buy in
Two private sector partners
Three universities on boardas partners
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
Egypt
Egypt
PHASE ONE: AL DAWAR
NEXT STEPS FOR SUSTAINABILITY
In five years, HFA will have improved and/or constructed 18,355 housing units and provided 44,600 working construction daysAL 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
51%
35%
14%Ashoka + CSO’sCommunities in need for HomesBusiness Sector + Housing Companies
Egypt
HOUSING FOR ALLCONSOLIDATED LEARNINGS
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
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
EVOLUTION OF ASHOKA’S ROLE
Hands-on Facilitator Market Enabler
Engage One Partner at a Time Enabler of Platforms for Collaboration & Learning
One Pilot at a Time Industry Transformation
HOUSING FOR ALL OUTLOOK - 12M
Summit of EntrepreneursDec’ 2010
• Global HFA community • Enable self-multiplying HFA
applications
GlobalKnowledgePlatformLaunch
• Learning Tools• Housing Innovation Report
Scaling upCountrylevelApplications
• Re"ning Models• Accelerating Impact
VIELEN DANK!