LEAF Society Namakkal www.leafsociety.in

Credit for Hygiene Asset’s Creation - CHAC…

04/10/2023

www.leafsociety.in

About LEAF Society Promotion of dignified sanitation & drinking water

practices – constructed 1000 toilets & having a target of – 10,000 toilets

Working with convergence of MNREGAS & NBA Sanitation loans of NABARD Increasing negotiating skills of rural & tribal

communities using RTI act of India – filed 1600 RTI applications

Providing JOYFUL Learning opportunities for Children – 520 Children-

CHILD Protection through CHILDLINE 1098 – 10,000 school children

Stopped 80 Child marriages and rescued 300 children

Some basic facts… Every 20 second a child is being killed due to water

borne diseases around the world 37.7m people are affected by water borne diseases

In India 1.5 million children are estimated to die of diarrhea

in India 73 million working days are lost In India As per World Bank’s estimate poor water &

sanitation practices cost us 6.4% of GDP or 53.8% billion or 2.4 Trillion every year

By 2020 India will be a water stressed nation Major issues of arsenic, fluoride, iron and other

pollutions Open defection is the biggest source of source of

pollution and contamination

OUR JFL Children

Some basic facts… Census 2011 reveals that more than 50%

Indian are ease themselves in open More than 65% households have mobiles Each gram of human feces contains –

10,00,0000 viruses, 1,00,000 bacteria, 1,000 parasites cysts and 100 parasite eggs

More than 70% of our rural population do not have access to safe sanitation practices

Open defection is the biggest sources of contamination & pollution

Poor sanitation practices results in many water borne diseases includes, fever, jaundice, cholera, diarrhea, skin disease, etc

www.leafsociety.in

FOUR SQUARE APPROACH

• Meeting the demand with credit supply

• Innovative multimedia & BCC campaigns

• Exclusive water & Sanitation society’s

• Children as change agents

Through JFL & Positive addiction

Committees and Trainings

BCC

Value addition through kitchen

garden, loans

Sensitization & door to

door campaigns

SQR: 1Using Children as change agents… Having JOYFUL Learning centers in villages Working with Government School children Innovative BCC & IPC tools for children Using Psychological techniques of Rewards &

Reinforcements Positive Addiction Stimulation of Sub Conscious brain Snake & ladder, memory card games, booklets &

pamphlets Hygiene dairy being used by 15000 school

children in Tamilnadu and 25,000 are being printed

Trying to influence school curriculum of Tamilnadu

Positive Addiction techniques…

04/10/2023

www.leafsociety.in

SQR: 2 Promotion of Exclusive Women Sanitation Societies

Practices thrift & savings for Hygiene & sanitation

Internal lending for toilets Training on Personal Hygiene, SLWM, menstrual hygiene

Linkages with external agencies

SQR: 3 Innovative multimedia campaign of LEAF

Society Intensive BCC/IPC/IEC among communities Using various tools and techniques LEAF Society has developed memory game,

personal hygiene train game, short films, hand wash demo, puppet show, folk arts, folk songs, snake & ladder game, flip charts, flash cards, booklets on kitchen garden, joyful learning, RTI, cost effective toilet construction methods, pamphlets, CD’s, DVD’s and many more…

Demand created among children women and communities

Psychological Techniques of Reward and

Reinforcements

SQR: 4 CREDIT for CREATING HYGINE ASSETS Meet the demand with capital supply Funds leverage through various

sources MNREGAS & NBA Convergence MFI Linkage- GUARDIAN Women Societies loans NABARD loans Pudhuvazhvu schemeOthers

Sanitation loan from NABARDConvincing period of one year Make them believe sanitation

credit is need of the hour Applied under Rural Innovation

Fund RIFSanctioned under Non Farming

Sector- NFS District – State – Mumbai level

sanction Rs. 15,00,000 for 150 units @ Rs.

10,000/unit 100 loans has been disbursed

Sanitation loan from NABARD RoI – 7%Spread: 5%LEAF Society lends @ 12% pa- diminishing balance

Repayment duration: 24 months Half yearly repayment On lending Grant support of Rs. 3.5 lakhs for two years

LEAF’s Criteria’s for loans Toilets – Rs. 10,000 @12%pa Only to the members of Women Sanitation

Societies Should have the practice of savings for

hygiene Willingness to construct toilet with in 30

days of loan Pit(s) should be ready before loan

application Design suggested by LEAF Society Willingness to adopt basic technical

guidance on pit, placing the pan, etc

Loan details Repayment in 10 months Agreement from Sanitation society on repayment, construction & usage

DPN from members Loan repayment card along with technical details

Motivating families to contribute

Making sure the loan converted in to permanent assets

Sanitation Products of LEAF Society

Source Type of funds

Amount RoI Repayment period

Potential

MNREGAS & NBA

Grant 11,100 0 0 10,000 units

GUARDIAN Loan 10,000 24% 18m 5,000

NABARD Loan 10,000 12% 10m 10,000

Women Societies

Loan 10,000- 12,000

24% 10m 500

Demand Loan 10,000 12-24% 12m 1,00,000

Folk Art – Villupaattu

Potential for other products Toilets Water connectionsRainwater Harvesting Incinerators Bio gas Water tanks

Highlights…Dignified sanitation solutions Average cost of a toilet Rs. 24,000Lowest Rs. 8,000 – Rs. 1, 00,000Our loans are incentive &

motivation factorMost of them are latrine+ bath

attached Rs. 2.4 crores has been mobilized

towards sanitation 80% of the investment ploughed

back in to local economy

Highlights … 8,000 person days of employment has

been generated Hundreds of Tons of human waste has

been disposed safely Creating a linkage for subsidy from

MNREGA & NBA- Rs. 10,200 Huge lending potential in sanitation

requires at least 100 crore pa in Namakkal

Challenges…. Conventional bankers mindset on RoI from

toilets Heavily subsidized climate Frequent changes of Government policies Confusing signals from NBA Requires intensive monitoring & follow up,

which may affect the cost of delivery & collection

No big players Money lenders prohibition act? Attitudes of communities towards

sanitation

Thanks….