Vivienda para Hogares de Bajos Ingresos (Delhi)
Esta presentción ha sido seleccionada como finalista del desafío
Derechos de propiedad: identidad, dignidad y oportunidad para todos .
Facilita el acceso a una vivienda segura y de calidad, a través de financiamiento accesible, diseño técnico y documentos bancarios. A las personas pobres y los hogares de bajos ingresos reasentados, se les otorga pequeñas parcelas vacías de la tierra en los suburbios con títulos poco claros, después de ser desalojados por el gobierno. Incapaces de documentar la hipoteca, carecen de acceso a préstamos para la vivienda o aportes técnicos que resultan en estructuras inseguras y condiciones pobres de vida.
Sobre ti
Sección 1: Sobre ti
Nombre
Rakhi
Apellido
Mehra
Correo electrónico
Página web
N/A
País
India, DL
Sección 2: Sobre tu organización
¿Esta iniciativa está vinculada a alguna organización establecida?
Nombre de la organización
micro Home Solutions
Página web de la organización
Teléfono de la organización
41435165
Dirección postal de la organización
New Delhi
País de la organización
India
La organización es
OSC/ONG
¿Hace cuánto tiempo la organización fue fundada?
Menos de un año
Sobre tu idea
Título de la innovación
Vivienda para Hogares de Bajos Ingresos (Delhi)
Describe tu proyecto o Idea innovadora
Facilita el acceso a una vivienda segura y de calidad, a través de financiamiento accesible, diseño técnico y documentos bancarios. A las personas pobres y los hogares de bajos ingresos reasentados, se les otorga pequeñas parcelas vacías de la tierra en los suburbios con títulos poco claros, después de ser desalojados por el gobierno. Incapaces de documentar la hipoteca, carecen de acceso a préstamos para la vivienda o aportes técnicos que resultan en estructuras inseguras y condiciones pobres de vida.
País donde se focaliza tu trabajo
India, DL
Innovación
¿Qué es lo que hace que tu idea sea única?
Our idea is unique in that it does not focus on attaining property rights for slum households, but on security of tenure that makes safe & quality shelter and housing accessible to poor and low income households.
Our project in home improvement is aimed at innovative product design making current documentation on housing i.e ' possession slips', acceptable for bankable loans so people can invest in home improvements and construct safer structures, bathrooms, roofs, kitchens & ventilated spaces etc. The 40 million+ housing deficit in India can not be addressed giving free housing ownership & titles. Households have varied shelter needs based on livelihood,family status, mobility, income and require security of shelter- be it for rental housing, homeless shelters, home-improvement opportunities; or ownership. Fighting for ownership for eligible slum households, unfortunately provides free & unequal benefit to too few based on arbitrary selection criteria set by policy makers.
¿Tu innovación está patentada/registrada?
Impacto
Esta presentación se trata de
¿Cuál fue el impacto obtenido hasta el momento?
The social impact we aim to achieve is to see urban low-income households with access to security of tenure- safe housing and shelter. The concept has the potential to reach over 1 million households in Delhi itself that require large amounts of finance and technical assistance. One of our customers is Laxmi, a microfinance client who 20 years ago got alloted a 220 sqf plot after being evicted from a slum in Delhi. She and her family are still living in temporary structure with a leaking roof and no bathroom. She and her daughter (7 years) have to bathe early in the house, and go to the public bathroom. Leakages, tin roof, no kitchen cause many health concerns. She required Rs 1.25 lakhs (USD 2,800) to strengthen and improve her current structure. She has a utensil business and her husband is a gardener, together they can service the installment loan, but can't meet the usurious rate of the moneylender. Innovatively product design using the possession documents enables her to access loan and technical assistance from micro home solutions.
Problema
Government development resettlement colonies in Delhi are haphazardly built into large low income ghettos. Household are today only able to finance construction through informal money lending sources due to lack of mortgage documents- at rates as high as 10% per month. It results in the circle of debt, many often end up losing possession of the house to the moneylender.
Acciones
1. Understanding the current status of housing, documentation and upgradation need
2. Providing technical design assistance to households through appropriate architecture and engineering inputs to design safer housing
3. Dialouging with policy makers on slum rehabiltiation policy- providing home-ownership vis security of shelter/tenure: looking at our shelter options such as rental housing, lease-purchase, homless shelter at affordable user-fee rates
Resultados
1. Facilitated financial institutions to accept possession documents for housing loans upto USD 7,000 (Rs 3 lakhs) for home construction and improvement- currently 20 units of 250 square feet each are under construction.
¿A cuántas personas beneficia tu iniciativa anualmente?
Menos de 100
¿Cuál es el ingreso mensual promedio de la comunidad beneficiada? (en Dólares)
Menos de $50
¿Buscas a través de tu innovación generar incidencia en políticas públicas?
De ser así, ¿cómo
Sustentabilidad
¿En qué etapa se encuentra la innovación?
¿La organización posee un Consejo de Administración o una Comisión Asesora?
¿La organización tiene alguna alianza de colaboración no monetaria con organizaciones sociales?
¿La organización tiene alguna alianza no monetaria con empresas?
¿La organización tiene alguna alianza no monetaria con el gobierno?
Por favor, cuéntanos como todas estas alianzas son fundamentales para el desarrollo de tu innovación.
Partnerships are critical for our work on urban housing and designing the initiatives. We work closely with local NGOs on community mobilization and participation. We're partnership with material suppliers on construction methodology that can be adopted by labour intensive construction processes; and partnership with local government and muncipalities on home-improvement, legality of settlements, provision of basic services. We also partner with like minded institution on issue of slum rehabiltation meeasure and debate on property rights.
Nos gustaría saber un poco más sobre cómo se financia tu iniciativa. Explica tu plan de negocios o modelo de generación de ingresos
Tu historia
¿Cuál fue el momento decisivo que te llevó a desarrollar esta innovación? Cuéntanos tu historia
We work in areas of social housing grappling with question of demand and supply of low income housing in cities and access to finance. During our field visits with different local NGOs to informal settlements, we saw lots of construction activity taking place, households were growing vertically. Through interviews we learnt that households (earning ~ USD 200), unable to mortgage documents, where borrowing at over 5% per month to finance construction to accomodate either family expansion (son recently married); or for additional income (rental). The house construction was unsafe, not regulated or monitored. We saw an opportunity to influence the construction & quality standards; and provide access to cheaper financing. We see that for additional supply of housing for poor, a large segment will be supplied from these informal settlements that are growing at over 5% a year.
Cuéntanos sobre la persona que está detrás de este proyecto – el innovador social. Incluye una biografía
The two co-founders are a husband and wife team (Marco and Rakhi) that set-up micro home solutions as a social enterprise with complementary skill-sets. Marco is an architect graduated in Italy with work experience in Italy, Singapre, Tanzania, USA with passion for sustainable design and architecture.
Rakhi a resident of Delhi (India) has worked in international development for over 7 years, comes with experience in designing low income enterprise solutions ( microfinance, agri-business) has a B.A in economics from St. Stephen's, Oxford University and recently completed her MBA from Harvard Business School.
They believe that inter-dsciplinary skil debate, discussion and projects are required for community based sustainable urban development.
¿Cómo has conocido Changemakers?
Investigando en Internet (por ejemplo: Google, Yahoo)
Si se enteró por medio de otra fuente de información, por favor indique el nombre de la persona, organización o empresa
Working with Ashoka Fellows
Preguntas Adicionales
¿Cuál (si acaso alguna) de las siguientes estrategias se aplica a tu organización o empresa (indica todas las que apliquen)
Por favor, explica cómo tu trabajo promueve una o muchas de las estrategias anteriores (si seleccionaste "otros", explica tu estrategia)
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