Here's a story about how members of the Changemakers community are developing creative approaches to finance across the globe:
How would you like to be able to move house—packing, transportation, cleaning, moving materials removal, and gardening included—without spending a dollar? If you lived in New South Wales, Australia, you could use shells, issued in points, to pay for everything but the gardening, which you would pay for with time.
This may sound wacky, but it is a hypothetical example of how three well-established alternative currency systems, the Local Exchange Trading System (LETS), Time Banks, and Community Exchange System (CES) allow users to get what they need when they join communities that use alternative or complementary currencies.
Read more about this solution, or discuss this topic below.
While most of us dread filing our taxes, there's something to cheer about this year: cash-strapped taxpayers now have an easier path to their refunds. Free tax preparation software, based on an H&R Block professional product, is being given away by more than 90 United Way affiliates nationwide to anyone earning $56,000 or less annually.
Data de criação: 30/8/2008
Status do Desafio:
Fechado
Marcos [Milestones] do DesafioCrianças & Jovens
Show:
[...]
Job Vacancies May 2013 CIMB Bank. Milanisti | Expression Blog will share the job of May 2013, a job bank CIMB May 2013, the latest jobs in May 2013, May 2013 lists the latest vacancies, bank job in May 2013, CIMB bank job in May 2013.
Jobs in Bank Panin Bank in May 2013
"Payday loans" have become nothing short of unjust, unsustainable, and toxic in the United States. In fact, over 76% of total "payday loan" volume in the US comes from repeat borrowers who live paycheck to paycheck. Our goal is to provide a sustainable solution to the borrowers of South Bend.
This project also has a Changeshop where you can read more about its latest progress.
Ir ao Changeshop: Metro Credits.
Criado em 05/6/2013 por franzy
MetroCredit is a category 2 micro finance institution and a for-profit organizational in Buea, Cameroon. The company is founded to be a development micro bank—making loans in small amounts widely available to people of the low class (generally perceived as unbankable).
Organização: Metro Credits
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Países onde este projeto vem gerando impacto social
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Ideia (pronto pra lançar)
Temas relacionados à inscrição
Elevator Pitch
MetroCredit is a category 2 micro finance institution and a for-profit organizational in Buea, Cameroon. The company is founded to be a development micro bank—making loans in small amounts widely available to people of the low class (generally perceived as unbankable).
Problema
I are trying bring micro credits to an under-served population of young farmers and small business entrepreneurs who want to establish their small start up businesses in the community but lack that very small venture capital to start up. In other words we want to build a strong community where financial solution to start up and small business is provided by metro credit thereby fighting poverty in the community.
Solução
Provide basis micro loans to small farming projects and entrepreneurs who need them. Introduced the "unbankable" communities to small financial loans to build and upgrade their business ideas.
Exemplo
A small educated inspired unemployed young man or woman conceives and idea or project on how he/she can do mass production of tomatoes to sell, preserve and process into paste but does not have the capital to invest in such a profitable season project, that is where we come in to make his/her ideas come through by providing small capital or loan to help her finance the project. primary activity will providing micro loans and credits to small business idealists who natural can not afford to get funding from other major stakeholders. we help them save their profits for other future projects.
Impacto
We plan to touch an extensive level of Individual small and medium size business men and women, farming groups and small cooperatives. We have carried extensive awareness through our partner NGO- Vision in Action Foundation, Cameroon. Our Community impact which will be through words-from-mouth, media, TV and radio as well as caravan publicity will touch a population of Buea of about 150,000 people. Our estimated impact is at least 5,000 in three(3) years. Our partner VIAF has been working over the years to identify farming groups with which, we will partner with when we start operations and up to date we have identified 16 groups in the Buea community and environs. Words of the mouth has always been the best bet for marketing and we also plan to use banners, flyers and brochure to reach our targeted potential clients.
Mercado
Our peers and competitors are credit unions and government ministries providing start up capitals to small entrepreneurs. We will operate in low scale, mostly with small companies and small businesspersons. Daily movement of mobile cash collector in order for the company to come closer to its customers. Sponsor small farming projects which bigger institutions are so reluctant to finance.Operate also to provide to peasant farmers chemicals and fertilizers on subsidized rates. These players may pose to us strong market penetration skills, huge capital to attract many customers.
Plano de Sustentabilidade
We plan to issue loans to our clients on an interest rate basis ranging from 1.5-2.5% on the principal amount thereby making some profits to cover out our expenses. We will also collect savings and issue out special credit facilities. We also plan to sell shares to interested Cameroonian who wish to be part of our idea. We will carry out money transfer nationally and internationally on a commission to customers. We also assist to pay bills.
Histório de Fundação
Metro credits story stems from the fact that we saw through our research in Vision In Action Foundation Micro Credit report that, a lot of persons in our community leave under a dollar a day and we saw that a lot of them wanted to be in a position where they could have small loans and use these monies for small business idea and initiatives to sustain their families. But the possibility of obtain such loans is not there because most micro finance institutions do always target the city centers, so it was wise enough for us to create a forum where small scale farmers and business persons to come in contact with small credit facilities and we help them to carry out small income generating activities thereby evading poverty.
leia mais↓↑ ocultar↑ ocultarOnde você garante a disponibilidade de nutrientes?
Agricultura rica em nutrientes, Alimentos completos em nutrientes, Bem estar e vitalidade humana.
Se você tivesse uma capacidade maior, quais funções adicionais você gostaria que sua solução abordasse – por meio de expansão, parcerias, ou intercâmbio de ideias?
Agricultura rica em nutrientes, Alimentos completos em nutrientes, Bem estar e vitalidade humana.
Como, especificamente, esta capacidade adicional ajudaria a melhorar a qualidade, eficiência, ou sustentabilidade do seu produto ou serviço?
We would be able to target a wide range of communities who do have their own specifications on what they can produce. We would also be able to provide a lot of resources in financing projects and of course open our own farming for cultivation thereby generating income into the establishment. We might also be able to provide funds for persons who want to go into processing and transformation of these product and also preserving for a continuous nutrient rich society. Sustaining nutrient-rich farming will be our number one priority.
leia mais↓↑ ocultar↑ ocultarComo seu produto ou serviço está conectado com a vitalidade para as pessoas e o planeta?
Approximately 125 words left (1000 characters).
Pessoas precisam de nutrientes apropriados para crescer, aprender, e evitar doenças. Como você mede e segue níveis ou usa informações sobre nutrientes no seu trabalho?
Approximately 100 words left (800 characters).
Considerando o fluxos dos nutrientes dos ecossistemas para o solo, para fazendas, para alimentos, para comunidades, quais são as barreiras para atingir vitalide para as pessoas e o planeta?
Outras barreiras identificadas
Na sua opinião, que desenvolvimentos precisam acontecer para ajudar a superar essas barreiras e produzir pessoas e um planeta mais rico em nutrientes e vitalidade?
Approximately 125 words left (1000 characters).
Você conhece alguma tendência promissora atual ou evidências que indicam que o desenvolvimento que você descreveu está surgindo? Por favor explique.
Approximately 100 words left (800 characters).
Ultrabook Terbaru Samsung New Series 5 Ultra merupakan salah satu yang dikeluarkan oleh perusahaan Samsung yang di rancang sedemikian rupa agar produk ini menjadi sebuah produk yang berkualitas
Criado em 03/30/2013 por Juan Miguel Guerra Dávila
Every year in the UK, over 250,000 accepted applicants miss out on higher education due to lack of funding. This results in social immobility, hinders innovation and economic growth and yields a body of professionals and leaders that represents but a small fraction of the UK's population.
Students use StudentFunder.com to raise loans and donations from their networks and StudentFunder's partners to cover the cost of their education while building invaluable networks and skills.
Organização: StudentFunder
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
Países onde este projeto vem gerando impacto social
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Inicial (um piloto que começou recentemente)
What problem is your organization committed to solving? In particular, share what is innovative about your approach.
Every year in the UK, over 250,000 accepted applicants miss out on higher education due to lack of funding. This results in social immobility, hinders innovation and economic growth and yields a body of professionals and leaders that represents but a small fraction of the UK's population.
Students use StudentFunder.com to raise loans and donations from their networks and StudentFunder's partners to cover the cost of their education while building invaluable networks and skills.
This blends financial, technological and social innovation to level the social playfield. StudentFunder provides crowdfunding services for students improving access to education, employment and enterprise.
This benefits students, their funders, universities, recruiters and society, engaging thousands.
What are your organization's top three priorities in the next year?
Successfully complete our pilot (funding at least 30 future leaders in 2013) and build volumes (150 by 2014... 5,000 in 2017)
Secure funding to capitalise the venture and build a loan portfolio
Build the infrastructure required to deliver our full functionality
Need #1
Message & Brand Strategy
Need #2
Customer Relationships
Based on your first choice of the eight technical categories you selected above, what is your specific project need? Please be specific!
It would be of great value to us to receive help from high-calibre consultants and executives so that we may better articulate what we can do for our target groups and to relate to our stakeholders more effectively.
We have different stakeholders groups: we attract students directly but also through partnerships with universities (which help us provide students with additional support). We must rally partner organisations that have an interest in funding students and help students attract funders.
For instance, we make it possible for students to borrow from their own friends and family, university alumni, etc. to cover the cost of their education. This should not be described as an investment, but as a worthy allocation of "play money", as there is always a risk of default. We need to articulate that clearly, but also, compellingly.
We also help universities optimise and leverage scholarship funds. Through us, universities can turn scholarships into unsecured loans that can be repaid when and if the student is able, which recycles their funding so that it may benefit a student forever, turning one-off hand-outs into sustainable funding that builds up over time.
3.
Allocation of resources to deliver results
Will support from American Express be focused on your organization overall or a specific product/service? Please describe.
Support from American Express could help us tailor our general communication but also design specific communication for our services: crowdfunding for students, "recyclable" scholarships and recruitment solutions.
It would also help us design a CRM approach to manage our relationships with institutions (universities, charities, businesses) and individuals (students, prospects, StudentFunder alumni).
Have you focused on the above area previously? If so, please explain, including whether you have worked with outside consultants before.
StudentFunder has not received support from professional consultants as such.
However, as part of Oxford's Skoll Centre's Emerge Venture Lab and the Startup Leadership Programme, StudentFunder has received plenty of advice, support and mentorship. Business in the Community (BITC), YPO and Hogan Lovells have generously provided support as well.
Are you able to commit 3-5 hours/wk over 10-12 weeks?
Sim
Are you able to meet virtually or at a convenient in-person location?
Sim
Are you able to meet in the city where your organization is based?
Sim
1.
Define messages and communication approaches for our stakeholder groups
2.
Design and implement stakeholder management/CRM strategies
3.
Benefit from a brand splash-effect that will help get at least 30 leaders funded in 2013
Qual foi o impacto da sua solução até hoje?
Quantitative:
Since October 2012, StudentFunder has helped two students fund their studies, two more are in the process and we will process 100 applications over the course of April for our first partner university and help 9 more students at a second partner university.
Each postgraduate student generates £5,900 per year in the economy (net, averge, according to the LSE).
Qualitative:
Our first student was fell into hard times. Abandoning his studies would have dragged his family into poverty; but we turned that around.
Two of the students supported by StudentFunder are peaceworkers Kivu, DR of Congo, helping end a conflict that has claimed over 6 million lives.
Another one of our students is creating a student-funding initiative to fight brain drain in Puerto Rico.
What is your project future impact after receiving professional support from American Express?
Support from American Express would help us strengthen our communication and relationships with customers and partners to evolve into a growth venture that can market beyond a closed pilot, serving hundreds of students by year two.
That vintage of students alone could add around £350k to the UK economy each year! (not to mention the impact that our students would have through their careers).
StudentFunder would then grow to serve thousands!
Temas relacionados à inscrição
Criado em 03/18/2013 por Inigo Rumayor Belausteguigoitia
Typically, remittances are sent via one of the thousands of Western Union franchises through out the U.S. For senders and recipients the process is a pain: customers pay extortionate fees, wait on long lines, and are responsible for notifying the recipients, who bear the danger of carrying cash. Regalii eliminates these aggravations because it’s a free, immediate and social (via Facebook) form of remittance.
For customers (in the U.S.), Regalii is free because retailers pay Regalii for each gift card sold.
Organização: Regalii
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
País da organização
Estados Unidos , NY, New York, Washington County
Países onde este projeto vem gerando impacto social
Estados Unidos , NY, New York, Queens County
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarNome do seu projeto
Regalii - The easiest and safest way to support your Family in Latin America
Selecione o estágio que melhor se aplica à solução
Crescimento (seu piloto está em andamento e começa a se expandir)
What problem is your organization committed to solving? In particular, share what is innovative about your approach.
Typically, remittances are sent via one of the thousands of Western Union franchises through out the U.S. For senders and recipients the process is a pain: customers pay extortionate fees, wait on long lines, and are responsible for notifying the recipients, who bear the danger of carrying cash. Regalii eliminates these aggravations because it’s a free, immediate and social (via Facebook) form of remittance.
For customers (in the U.S.), Regalii is free because retailers pay Regalii for each gift card sold.
For Recipients (in LAC), they will be notified immediately via SMS and be able to redeem the gift card by showing it at the cash register just like a coupon. We selected the mobile phone channel because of the high penetration rate (80% for cell phones in Latina America).
What are your organization's top three priorities in the next year?
1. Our primary objective for now is identifying the best product customer fit, which can only be derived from extensive customer interviews and research.
2. Once we have nailed down the correct value proposition VP and product offering PO then we will focus on growing costumer base via offline and online channels
3. Continuously grow our affiliate network in Latin America and the USA
Need #1
Consumer/Audience Acquisition
Need #2
Customer Relationships
Based on your first choice of the eight technical categories you selected above, what is your specific project need? Please be specific!
Launched pilot in the Dominican Republic two months ago. We are currently adding new features and services to the pilot. We are in the process of adding supermarkets and bill payments to the platform. This means customers will be able to send food, clothes and pay the utility bills for their family through Regalii. Regalii will also provide this service at the most competitive rates in the market because of how our revenue model is structured (we pay a discount on each gift card we purchase – ie: we pay $90 for a $100 gift card).
What we hope to achieve in working with American Express consultants is a better strategy on how to identify and effetely execute a b2b channel. This effort will help us expand our client base and get the word out of this great service. Our product is unique because it is the only form of remittance that integrates mobile gift cards via sms.
We also want to better understand the competitive landscape and how it relates to “customer acquisition” in order for us to incorporate best practices. Another area we feel American Express would be incredibly helpful in cultivating.
1.
Collaborative: work together for a common goal.
2.
Transparent: Be very clear on what is expected from each partner.
3.
Integrity: Work with partners that are honest and trust worthy.
Will support from American Express be focused on your organization overall or a specific product/service? Please describe.
The support from American Express will be mainly focused on customer development, particularly in the B2B realm. We believe American Expresses expertise and affiliate networks would be of great value in getting this initiative off of the ground.
Have you focused on the above area previously? If so, please explain, including whether you have worked with outside consultants before.
We have attempted to work with other U.S. based payments platforms in the past but their was never a clearly defined strategy. This is were the “consulting would be incredibly valuable.
Are you able to commit 3-5 hours/wk over 10-12 weeks?
Sim
Are you able to meet virtually or at a convenient in-person location?
Sim
Are you able to meet in the city where your organization is based?
Sim
1.
Nail the customer acquistion strategy for Dominican Republic
2.
Replicate the model and expand with our afilliates in Mexico and Brazil
3.
Replicate the offline acqusition strategy in more states of the United States
Qual foi o impacto da sua solução até hoje?
8 weeks after launching our pilot we have helped more than 50 families in the USA and Latin America to access an easier and cheaper way of sending mobile money and supporting their families. Our pilot has been an incredible learning experience. We learned that customers want a wider variety of products they want to send to their families such as food, pharmaceuticals and utilities payment. We are currently working to integrate these new offerings on our platform. This will increase the amount of transactions and benefits for the families in Latam.
We have been recognized by Echoing Green and awarded a fellowship for the positive social impact in more than 30 million Hispanic families in the USA.
What is your project future impact after receiving professional support from American Express?
In 2009, the G8 embarked on a “5 by 5” objective to reduce the average cost of remittances to 5% by 2014. Regalii measures its social impact through its ability to eliminate remittance fees. Annual transfers are $2,200 on average (IFAD, 2010). In LAC this equates to approximately 30M families or individuals. If by 2017 Regalii captures 1% of the $69BN market, it would handle $690M in transactions, which yields $69M in savings from fees, which averaged 10%. (IFAD, 2011)!. In essence, Regalii puts 10% more money in the hands of the 30M people in LAC who receive remittances, most of whom income fall below a given poverty line. For example, in Mexico 61% of the households receiving remittances fall in the bottom 20% of income (World Bank, 2008).
Temas relacionados à inscrição
Criado em 03/15/2013 por Jonah11
Developing supplementary educational curriculum and securing local partnerships with companies working in the financial trades. The curriculum will be a graduating, age appropriate curriculum regarding money, banking, financial industry and economics for elementary school students from kindergarten through grade 5.
Criado em 03/14/2013 por Haley Josephine Burns
Fund 17 is a nonprofit microfinance institution completely operated by a team of volunteer Tulane students. Our mission is to combat income inequality in all seventeen wards of New Orleans by providing financial tools for self-empowerment.
We are deeply committed to helping create a new form of capitalism in America. One that smooths the rough edges and helps to create a society where work as a calling to elevate humanity is rewarded. Rewarded with financial success, healthier communities, a growing middle class, a protected environment and a thriving economy for all. We hope you'll join us!
Criado em 03/12/2013 por ami.gosalia
InVenture's solution addresses the lack of financial literacy, accounting tools, and credit histories for low-income business owners and the need for transparency, risk mitigation, and portfolio management tools for financial institutions. It is clear that these needs exists because of both the financing gap and the inability of small business owners to get affordable access to financial services.
Organização: InVenture
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
País da organização
Estados Unidos , CA, Santa Monica, Los Angeles County
Países onde este projeto vem gerando impacto social
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarNome do seu projeto
Money Management + Credit Scoring for the Offline World
Selecione o estágio que melhor se aplica à solução
Crescimento (seu piloto está em andamento e começa a se expandir)
What problem is your organization committed to solving? In particular, share what is innovative about your approach.
InVenture's solution addresses the lack of financial literacy, accounting tools, and credit histories for low-income business owners and the need for transparency, risk mitigation, and portfolio management tools for financial institutions. It is clear that these needs exists because of both the financing gap and the inability of small business owners to get affordable access to financial services.
InVenture is the only organization in India providing the specific use-case of accounting and credit data analysis through a text-messaging platform. Additionally, InVenture’s focus on combining real-time accounting and demographic data directly from our users provides a clear differentiation and market advantage from other mobile credit scoring efforts.
What are your organization's top three priorities in the next year?
In order to scale effectively and achieve our growth targets for the next year, InVenture needs to refine and standardize its internal processes. InVenture’s top priorities are educating as many InSight users as possible on the importance of money management which will be indicated by high levels of user retention, hiring experienced and knowledgeable trainers and field staff, and investing in our sales and marketing efforts to develop more partners and visibility throughout India.
Need #1
Consumer/Audience Acquisition
Need #2
Staffing Capabilities
Based on your first choice of the eight technical categories you selected above, what is your specific project need? Please be specific!
InVenture needs to develop a stronger user acquisition and retention strategy in the areas where we work in India. In order to scale our business three things must occur. First, prospective InSight users must understand that a simple, free, money management tool exists. Second, the user must understand how to use the InSight product and its product functions. Lastly, the InSight user must understand the short and long term benefits of a product like InSight including the increased savings, increased revenues and a financial identity. This involves finding new NGO partners and improving our training and follow up process.
We also need to develop a more structured staff recruiting and retention strategy. This will entail finding new channels for recruiting, creating a more effective onboarding and employee training process, and setting better performance indicators and incentives.
Will support from American Express be focused on your organization overall or a specific product/service? Please describe.
Ideally this support will be focused specifically on improving internal efficiency measures, opening new user channels, and revamping our user acquisition and staffing strategies.
Have you focused on the above area previously? If so, please explain, including whether you have worked with outside consultants before.
We have spent time thinking about how to make our product more engaging for users and ways to incentivize user retention. We have also brainstormed ideas for staffing strategies and talked to other social enterprises to find best practices. We have not worked with outside consultants specifically for these needs.
Are you able to commit 3-5 hours/wk over 10-12 weeks?
Sim
Are you able to meet virtually or at a convenient in-person location?
Sim
Are you able to meet in the city where your organization is based?
Sim
1.
Increase in number of InSight users using the product correctly on a regular basis
2.
More effective InSight training process
3.
More efficient staff with higher job satisfaction
Qual foi o impacto da sua solução até hoje?
We measure our social impact by analyzing the increase in revenue, savings and financial literacy of InSight users. To date, our 8,000 active users have seen a 30% increase in revenue and a 6% increase in savings. When measuring the increase in financial literacy, we take a more qualitative approach by analyzing changes in spending habits and trends in type of spending. We believe that because our clients are spending more on education and health, they are demonstrating an increased quality of life. Additionally, the increase in revenue as a result of money management and access to capital as a result of credit scoring both help business owners to hire additional staff for their operations, contributing to employment and the local economy.
What is your project future impact after receiving professional support from American Express?
With professional support from American Express, InVenture will be able to further increase its impact through improved internal team performance and more effective field operations processes. Scaling the number of InSight users will result in a more financially literate population with affordable access to products and services, thereby producing a more fair and transparent financial ecosystem.
Temas relacionados à inscrição
InVenture is a social enterprise utilizing mobile technology for financial inclusion. We have built a set of mobile tools to help individuals build a formal financial identity. Simply put, we provide individuals in the informal economy with money management tools and a “credit score,” or digital record of their financial lives; they can then take this data to a financial institution for financial access. Our primary product, InSight, enables us to gather real-time demographic and cash flow data about our users via SMS and voice at no cost to the user.
Criado em 03/8/2013 por mike85hot
Tomike Health is a social venture that aims to set a new standard for job creation and maternity care in West Africa.
Organização: RAINBOW GATE FOUNDATION NIGERIA
mais ↓↑ ocultar↑ ocultarNome da Organização
RAINBOW GATE FOUNDATION NIGERIA
Página da organização na internet
9. País onde organização atua, possui seu projeto implementado
Natureza da organização
Sem fins lucrativos/ONG
Ano de fundação da organização
Anos em Operação
Fase de concepção
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
Queremos saber mais sobre seu momento “A-ha!”. Compartilhe a história sobre onde e quando o(s) fundador(es) viu(viram) o potencial desta solução para transformar o mundo.
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarExplique sobre o que trata a "inovação”; por exemplo, é uma idéia e/ou um modelo que você usa para concretizar uma idéia, ou talvez seria sua compreensão da população-alvo, etc?
Tomike Health wants to provide high-quality health care and empowerment services to some of the poorest women in Nigeria and also to redefine the standard by which healthcare organizations operate in order to build strong, open and efficient public sector health services that are responsive to the demands of local communities. Tomike's model is a combination of three tightly-integrated services to ensure that women receive the full continuum of maternal health care: (a) mobile vans that will create a direct link with our patients, boost demand for services and healthy outcomes through antenatal care and birth preparedness; (b) Tomike health centers near the slums where women can go for respectful obstetric care, safe delivery, family planning, and postnatal care; and (c) Tomike health business incubation centre where poor women can access job training and skills necessary in our world today to attain a sustainable livelihood. Our ambition is integrate healthcare and antipoverty program together as a package for poor women and to change the way maternal healthcare is provided for the two million poor women giving birth each year in urban/peri-urban sector of West Africa.
Descreva como o seu modelo de inovação é diferente de qualquer outra organização na sua área.
Besides being a healthcare service provider, Tomike-Health will also serve as a laboratory for some of the most exciting innovations in maternal &child health, and skills acquisition for women. Unlike others in the field, We will be incorporating innovative practices from around the world — in mobile health, evidence based medicine, electronic medical records, and financial and marketing and job training innovations — and measuring their impact on quality of care, health behaviors and sustainable livelihood.
We aim to become the largest provider of affordable care&business incubator in the region,&more importantly raise the standard of care among other private and public providers.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
Tomike-Health will foster innovation & creativity based culture with high degree of accountability and financial transparency.
We are a startup venture with a social mission. We are small, flexible and able to respond rapidly to market feedback. Core to everything we do is innovation.
However, we will bring together multiple perspectives including design, medical/social protocol, experience and global public health. We have a flat organizational structure where all ideas are welcome and valued and where everyone in the organization gets to try their hand at different aspects of the business.
Como você garante que inova constantemente à luz de (potenciais) desafios externos, ou do seu plano de crescimento?
The challenges we foresee in our model are around pricing and volume of clients that we will be able to generate. To provide an appropriately high level of service, we have a certain amount of fixed costs and running costs, for which we already have a detailed understanding. To be fully sustainable we have to achieve a certain volume of patients at a certain price.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarDesafio Sistêmico que você está tentando resolver [selecione apenas um]
Levar assistência médica acessível a comuniaddes em mercados emergentes
Área da Saúde (mercado alvo) em que a necessidade está [selecione apenas um]
Cuidado materno
Categorias ao longo do continuo da saúde que você está cobrindo [selecione todos que se aplicam]
Prevenção, Diagnóstico, Intervenção, Acompanhamento, Tratamento de longa duração, Integração social.
Por favor, descreva mais detalhadamente: qual problema você está tentando resolver no contexto específico da organização?
In Nigeria 500,000+ women give birth each year and two-thirds of them live in slums. Most deliver at home with an unskilled birth attendant or go to a public facility where conditions are often appalling – shared labor beds, delivering on the floor, understaffed or under-equipped with basic lifesaving supplies. As a result as many as one in 50 women die during childbirth and many more experience life-threatening complications. Secondly, poverty due to lack of livelihood has also contributed to poor health among women. We are working to save the situation by bringing in innovative solution into the picture.
Estágio que melhor se aplica à sua solução [selecione apenas um]
Ideia (pronto pra lançar)
Estratégias centrais do seu modelo de negócios
Abordagens para a mudança de comportamento no nível individual , Design centrado no paciente, Redesenho do sistema público de saúde para mais eficiência (em termos de processos, estrutura, etc), Papéis novos/redefinidos para prestação de serviços de saúde, Novas abordagens para a distribuição de produtos e serviços de saúde, Parcerias entre atores não convencionais (entre atores tradicionais e atores externos ao sistema de saúde), Novas estratégias de financiamento para a saúde.
Ferramentas mais relevantes que você está usando para implementar as estratégias descritas acima [selecione apenas duas]
Tecnologia, Novas habilidades, Consulta, Educação/treinamento, Financiamento comunitário.
Por favor, descreva sua solução mais detalhadamente
Tomike Health is a social venture that aims to set a new standard for job creation and maternity care in West Africa. We are combining business, job training and clinical innovations to create a fully self-sustaining and scalable solution that provide reproductive health and antipoverty services to poor urban women. First of its kind in West Africa.
We are piloting our model in Abeokuta with a single clinic, mobile unit, and business incubation centre then once we have demonstrated that the model works, we will scale up to touch other cities across west Africa over the next five years.
Qual é sua visão e objetivos gerais?
Tomike Health vision is a world free from poverty, hunger, and diseases. The mission of Tomike Health is to enhance health and productivity in underserved rural communities among poor women and its goal is to transform healthcare and livelihood by demonstrating the commercial viability, long-term sustainability and social impact of the Tomike-Health model at scale.
Qual é sua proposta de valor?
The Tomike Health model is a sustainable social business enterprise with high degree of economic returns for the beneficiary communities. We will create Direct Social Impact through providing underserved women communities with greater access to high quality health-care, skills development and business incubation services resulting in better health & well-being, enhanced productivity and improved standard of living. Also providing alongside, multiple opportunities for employment generation in the local areas.
Quem são seus clientes?
Tomike Health is basically targeting women of child-bearing age living in rural/urban slum. Our ambition is to integrate healthcare and antipoverty program together as a package for poor women and to change the way maternal healthcare is provided for the two million poor women giving birth each year in urban/peri-urban sector of West Africa.
Quais abordagens você usa para alcançar seus clientes?
We will basically reach out to our customers via our mobile unit and pool of volunteers. Mobile vans will bring services into the slums and increase awareness among our target population via creative marketing and ubiquitous mobile phones. This is critical for reaching women who would otherwise deliver at home, building a reputation among our target patients, and driving traffic to our facilities.
Quais sãos suas atividades principais?
Tomike–Health will bring three tightly-integrated services into the communities to ensure that women receive the full continuum of maternal health care: (a) mobile vans that will create a direct link with our patients, boost demand for services and healthy outcomes through antenatal care and birth preparedness; (b) Tomike health centers near the slums where women can go for respectful obstetric care, safe delivery, family planning, and postnatal care; and (c) Tomike health business incubation centre where poor women can access job training and skills and revolving fund necessary to kickstart the venture of their choice.
Quem são seus pares e concorrentes? Quais problemas esses atores poderiam representar para seu sucesso e crescimento?
Social venture dedicated to bring healthcare to the poorest communities in West Africa already exist and Easier Healthcare consult is a good example, but these initiatives remain limited. From our knowledge, there is no “social healthcare companies” integrating antipoverty program with martenal healthcare delivery in poor communities. Nevertheless, the model we propose will combine certain basic innovations that can’t be found anywhere in the region. The key specification that will distinguish our model from the individual initiative already available on the market will be the strong social, business, scientific and clinical background supporting the synergistic value of the model.
Quais outros desafios – individuais, organizacionais ou de meio ambiente – você atualmente enfrenta ou poderiam impedir o futuro sucesso do seu negócio e como você pretende superá-los?
The other challenge is ensuring that payments are made for treatment or microcredit. For instance, If a woman comes to our healthcare center in pain, we cannot refuse treatment. So we have to ensure that there is a way of recovering the cost of the delivery. We will work to mitigate those risks by: (a) providing financial training during our antenatal care&business training, (b) options for advanced payment in installments (flexibly, to correspond with women's irregular income in these settings); (c) working with micro-insurance agencies and the National Health Insurance Scheme to defray out of pocket costs for women.
Descreva brevemente sua estratégia de crescimento futuro
A comprehensive healthcare and antipoverty initiative has many moving parts. Wherever possible, we do not want to reinvent the wheel, but rather work with the organizations that are at the cutting edge of each service and element of our model. This will help us to grow and continue innovating
Em quais dimensões de crescimento você atualmente está focando para sua inovação? [selecione todas que se aplicam]
Novo(s) grupo(s) de cliente(s), Nova(s) região(ões), Novo(s) mercado(s)/país(es).
O que faz o seu negócio estar “pronto” para crescer?
To date, we have completed market surveys, developed the model, and engaged volunteers and advisors. In fall 2012, we did an extensive market surveys and data collection to overlay facilities and population data to identify areas that are poorly served. We believe we are ready for pilot
Quais são seus objetivos-chave de crescimento?
The objective of Tomike Health is to enhance health and productivity in underserved rural communities among poor women and its goal is to transform healthcare and livelihood by demonstrating the commercial viability, long-term sustainability and social impact of the Tomike-Health model at scale.
Qual é o seu prazo para crescimento, no curto e médio prazo? Quais são as metas de crescimento e atividades-chave futuros?
2013
-Purchase and equip first mobile unit; lease a property for clinic,& business incubation center
-Develop protocols for mobile antenatal care and outreach, hire and train staff
-Complete protocols and internal systems for clinic, mobile unit, & business incubation centre
-Hire and train staff for first clinic; lease first site in eastern Abeokuta; setup equipment and space.
2014
-First clinic opens doors in early 2014.
-Begin monitoring impact and fine-tuning of operations and clinical and internal protocols.
-Experiment and adapt marketing and outreach
-By late-2014 evaluate success of pilot and secure funds for expansion.
leia mais↓↑ ocultar↑ ocultarQual foi o impacto da sua solução até hoje?
The solution that we propose has not been launched yet. we were waiting for the opportunity to make our idea come to light. Integrating healthcare and antipoverty program is what we have passion for and we believe it will go a long way in transforming the healthcare field. We believe if sickness like malaria can be treated in hospital certain, so does poverty. That’s the reason why we jumped at the chance when we heard about this Competition. We are convinced that this initiative can achieve success in a long term.
Quais métodos de quantificação de impacto social você está usando (se alguma)?
We will be measuring and reporting on health outcomes, utilization, and internal metrics such as cost of care relentlessly — both for our own improvement and to share best practices with the broader health community. Globally there is mounting evidence about interventions that improve health and livelihood, but one thing missing is "implementation research" about how to deliver these interventions quickly, affordably, and in a way that makes women more likely to seek skilled care. We will be partnering with top academic institutions to measure our impact in a way that is scientifically rigorous.
Sua solução poderia funcionar em outras locais ou regiões? Se sim, onde?
The Tomike-Health social business enterprise model has high potential for being replicable / scalable and thereby qualifies to be of immense value and interest to public sector organizations, corporate social responsibility organizations, social investors and mainstream venture investors and financial institutions especially in the developing world.
Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
The projected impact of the proposed solution over the next 1-3 years can be summarized in two points:
-An improvement of health in low income settings especially among mothers through a better access to maternal healthcare, skills acquisition, job training, business incubation and funding.
-An improvement of the living conditions of rural women of child bearing age by creating jobs through involvement in all stages of the business model: supply, production, sales and through sustainable local microeconomics based on fair trading of products, good working conditions, and fair wage and employee empowerment.
leia mais↓↑ ocultar↑ ocultarDescreva sua estratégia financeira atual
As a social business enterprise addressing a social objective, the financial strategy will consist in generating a symbolic dividend of 1 to 10% annually that will be re-invested to expand the venture and improve the services. It should be noticed that this financial model will be put in place once the angel investors who have contributed to the seed capital will have recovered their investment. At the same time various funders such as governments, private and public non-profit foundations, corporations and impact investors will be approached and asked to participate in the capital increase over time.
Parcela da geração de receita na renda total da organização (em porcentagem)
Vendas diretas a pacientes e outros beneficiários (em porcentagem)
Das possíveis fontes dessas vendas, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Doações individuais, Pacientes, Outros beneficiários.
Taxas de licenciamento, por exemplo, para modelos de tecnologia/franquia (em porcentagem)
Das possíveis fontes de oportunidades de licenciamento, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Contrato de serviço com organizações, por exemplo, governo, ONGs (em porcentagem)
Das possíveis fontes de contratos de serviço, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Explique sua estratégia de geração de receita mais detalhadamente
We will provide maternal health services to our women customers at prices they can afford thereby generating revenue for healthcare service expansion. in addition, the center will mobilize internal and external network to seed and fund major businesses emerging from the business incubation center. we will get women entrepreneurs from ideas to funding literally in 4-6 months! The center literarily will make women entrepreneur collaborate by putting premium on team oriented solutions to unique problems, and the speed of prototyping and launching these solutions into revenue generating businesses in exchange for flat 5% equity. we will also provide micro-loan for mini start-up at 5% interest rate. this will allow us to innovate and expand more.
Parcela da geração de receita na renda total da organização (em porcentagem)
not significant (less than 0.5%)
Estratégias de filantropia que você usa
Explique sua abordagem filantrópica mais detalhadamente
Fale mais sobre os itens selecionados; explique como você vai manter o financiamento.
Tomike–Health has devised a phased plan for next three years in terms of strengthening its business model and has three components - Financial, Technical and Partnership based. With respect to the Financial Component Phase I during FY 2013-2015 comprises raising Equity and Debt, Phase II during FY 2015-16 comprises raising additional Equity, Higher quantum of Debt , Small & Medium Grants , Phase III FY 2016-2017 comprises small Debts and grants and earnings and Phase IV FY 2018 onwards comprises growth based on Retained Earnings and small grants for specific services and new pilots . With respect to the Technical strengthening, Tomike–Health will be actively involved in forging partnerships with organizations in the healthcare & business domain and over next three years the same would be strengthened in every area of our model. With respect to the Partnership and Networking components, Tomike–Health will partner with a number of leading Government/Private/NGO/Academia/Civil Society organizations in health, education and rural development space and the same would continue in next three years.
Criado em 03/5/2013 por Fernanda Kellner de Oliveira Palermo
O cartão-saúde e o disque-saúde são produtos capazes de revolucionar o atendimento médico prestado à população economicamente menos favorecida.
Empresas que possuírem o selo de acreditação como apoiadores da saúde receberão inúmeros benefícios.
As campanhas de prevenção serão impulsionadas através das parcerias público-privadas aptas a criarem verdadeiras redes de inclusão social.
leia mais ↓↑ ocultar↑ ocultarSobrenome
Kellner de Oliveira Palermo
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leia mais↓↑ ocultar↑ ocultarNome do seu projeto
A reestruturação do Sistema Único de Saúde através das Parcerias Público-Privadas
Explique sobre o que trata a "inovação”; por exemplo, é uma idéia e/ou um modelo que você usa para concretizar uma idéia, ou talvez seria sua compreensão da população-alvo, etc?
Meu modelo de inovação se refere a uma mudança de paradigma quanto ao financiamento e controle do sistema de saúde pública brasileiro (Sistema Único de Saúde - SUS).
O embasamento para esta proposta surgiu quando tive a oportunidade de publicar meus estudos referentes à implementação de parcerias público-privadas abordando especificamente a área da saúde pública. Por se tratar de um sistema deficitário em relação à prestação dos serviços e aos seus objetivos, a população menos favorecida tem seus direitos inviabilizados, sendo que a Constituição Federal elenca a saúde como direito de todos e dever do Estado (art. 196).
Devido às dificuldades quanto ao financiamento da prestação de serviços na área da saúde de modo satisfatório, meu modelo inova ao preconizar um controle adequado dos serviços por meio de cartões individuais com chips que contenham o histórico de dados médicos de toda população da maneira mais abrangente possível. Esta compilação de dados tem condições de fornecer aos órgãos públicos informações relevantes para o tratamento da saúde em prognósticos e diagnósticos com baixíssimo grau de falibilidade.
Esta primeira iniciativa surge como o degrau inicial para a criação de um sistema no qual empresas da área de alimentos e companhias farmacêuticas recebam incentivos fiscais para participarem de fundos como apoiadores da saúde no País. Em contrapartida, obterão mais lucros, pois os portadores de cartões que estejam em dia com seus exames e vacinas obterão descontos para a compra de seus produtos.
Descreva como o seu modelo de inovação é diferente de qualquer outra organização na sua área.
Meu modelo de inovação está relacionado à união de esforços em torno de soluções. Regionalmente, esta mobilização é possível caso haja interesse de investidores em se unir de maneira organizada para poder participar do financiamento direto das parcerias público-privadas na área da saúde.
Sugiro a possibilidade de regulamentação para viabilizar a formação de sociedades anônimas de profissionais da saúde, que possuam condições econômicas de participação em processos licitatórios de parcerias público-privadas, através do incentivo de oferta de ações localizadas em cidades que sejam sedes administrativas de distritos do Sistema Único de Saúde.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
A principal vantagem desta possibilidade de participação e abertura de oferta de ações é a conscientização da população que possui recursos para investir em um sistema que atenda à suas necessidades e às necessidades daqueles que habitam naquela mesma região.
Os recursos financeiros advindos dos fundos de empresas apoiadoras da saúde serão utilizados para o aperfeiçoamento do sistema público, que será operacionalizado em sintonia com os microssistemas regionais embasados em parcerias público-privadas.
Existem diversos estudos com vistas à modificação de impostos em setores que possuem relevância quanto à prestação de serviços de assistência médica no Brasil. Com a consequente desoneração, haverá incentivos para o investimento adequado.
Como você garante que inova constantemente à luz de (potenciais) desafios externos, ou do seu plano de crescimento?
As empresas que se tornarem apoiadoras da saúde receberão selos de acreditação para seus produtos. O Poder Público disponibilizará campanhas para o oferecimento de exames preventivos e vacinas mensalmente, de acordo com uma agenda preestabelecida. Com o uso do cartão da saúde, os resultados serão prontamente armazenados no cartão e no sistema unificado pertencente ao Ministério da Saúde. A população que estiver em dia com a tabela de exames e vacinas poderá comprar alimentos funcionais, orgânicos e medicamentos com descontos. Como a maioria da população de baixa renda não possui recursos para se alimentar adequadamente, isto lhes proporcionará acesso a uma melhor qualidade de vida. As empresas lucrarão com uma maior quantidade de vendas de seus produtos.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarDesafio Sistêmico que você está tentando resolver [selecione apenas um]
Realinhar os incentivos no sistema público de saúde em mercados maduros, ou
Área da Saúde (mercado alvo) em que a necessidade está [selecione apenas um]
Serviços de Saúde Primária
Categorias ao longo do continuo da saúde que você está cobrindo [selecione todos que se aplicam]
Prevenção, Diagnóstico, Intervenção, Acompanhamento, Tratamento de longa duração, Integração social.
Por favor, descreva mais detalhadamente: qual problema você está tentando resolver no contexto específico da organização?
Governantes que já possuíram o dever de administrar a saúde sempre se manifestaram quanto à importância da passagem do financiamento à saúde baseado na oferta de serviços ao atendimento baseado na demanda de serviços. Esta passagem pode ser executada através da implementação das parcerias público-privadas na área da saúde, pois com o atual sistema, a falta de controle e fiscalização levam a situações em que as pessoas que recebem o serviço não sabem se o que está sendo pago pelo Estado corresponde ao que efetivamente receberam e o Estado pagador não sabe se o serviço foi prestado adequadamente.
Com a utilização do cartão da saúde, é possível saber em tempo real que um paciente normalmente atendido pelo SUS, foi atendido em hospital privado, o qual será ressarcido brevemente.
Estágio que melhor se aplica à sua solução [selecione apenas um]
Ideia (pronto pra lançar)
Estratégias centrais do seu modelo de negócios
Redesenho do sistema público de saúde para mais eficiência (em termos de processos, estrutura, etc), Papéis novos/redefinidos para prestação de serviços de saúde, Parcerias entre atores não convencionais (entre atores tradicionais e atores externos ao sistema de saúde), Novas estratégias de financiamento para a saúde.
Ferramentas mais relevantes que você está usando para implementar as estratégias descritas acima [selecione apenas duas]
Consulta.
Por favor, descreva sua solução mais detalhadamente
A população brasileira atual é de aproximadamente 200 milhões de pessoas, com cerca de 150 milhões dependendo exclusivamente do Sistema Único de Saúde (SUS), gerenciado pelo governo. Sempre houve vários problemas referentes a diversos aspectos dos mecanismos de financiamento que têm sido usados desde sua criação (em 1988).
Com a reestruturação deste Sistema, tenho como objetivo criar um modelo onde vários atores trabalhem em gestão compartilhada, com vistas à sua inovação. Esta inovação é baseada em um monitoramento em tempo real, possibilitando uma eficiente prestação de contas, em obediência às leis e regulamentações existentes. É, na verdade, uma forma de reestruturar impostos com vistas à autossustentabilidade do sistema de saúde.
Qual é sua visão e objetivos gerais?
A ideia está vinculada à desoneração fiscal de indústrias de alimentos, farmacêutica e produtores rurais, para que possam investir em fundos destinados a financiar o sistema. A população de menor renda irá receber descontos para comprar produtos destes apoiadores da saúde. Tornar-se-á elegível ao realizar exames médicos e cumprir agenda de vacinação.
Será necessário criar um cartão-saúde que contenha chip com informações confidenciais sobre dados pessoais e prontuário médico de forma abrangente. Este cartão também será capaz de identificar o status, como usuários de um plano privado ou como usuários do SUS. Esta informação deve ser separada dos dados confidenciais.
Qual é sua proposta de valor?
A ideia é baseada em estudos acadêmicos. Portanto, ainda não é possível determinar uma proposta de valor.
Quem são seus clientes?
Parcerias público-privadas serão utilizadas para identificar as operadoras de planos de saúde privados que estão dispostas a se tornarem parceiras do governo para prestar serviços de saúde à população em geral. Pessoas com renda média que vivem em uma região específica coberta pelo contrato de parceria poderão ser tornar investidores e participar mais ativamente da administração da parceria. Este novo modelo possibilita a participação ativa da população na estrutura do negócio, algo que não ocorre no atual modelo de prestação de serviços médicos.
Quais abordagens você usa para alcançar seus clientes?
O principal problema em relação ao sistema de saúde pública no Brasil está relacionado ao seu financiamento. A população com menor renda não é capaz de atingir índices mínimos de estabilidade em padrões de saúde devido à desigualdade social. A população com renda média não está satisfeita com os serviços prestados pelas operadoras de planos privados. Com a aplicação deste novo modelo, serão disponibilizados recursos capazes de financiar todo o sistema.
Quais sãos suas atividades principais?
Sou uma advogada brasileira interessada em pesquisas que possibilitem a criação de soluções viáveis para o aperfeiçoamento da prestação de serviços públicos, combate à corrupção e consequente promoção da inclusão social. Sou pós-graduada em "Master of Laws - LL.M." pela "The George Washington University Law School", em Washington D.C. (EUA); membro da American Bar Association (ABA), inicialmente como estudante de Direito (de 2008 a 2009) e atualmente como associada internacional; ex-bolsista em estudos acadêmicos de Pós-Graduação da Organização dos Estados Americanos (OEA); Thomas Buergenthal Scholar; Mestre em Direito Administrativo, com ênfase em Obrigações Públicas pela Universidade Estadual Paulista (UNESP); Bacharel em Direito pela Universidade Estadual Paulista (UNESP).
Quem são seus pares e concorrentes? Quais problemas esses atores poderiam representar para seu sucesso e crescimento?
Há muitas organizações não governamentais trabalhando para solucionar problemas sociais no Brasil atualmente. No entanto, muitas pessoas pertencentes ao setor privado possuem relações estreitas com o governo federal e congressistas e trabalham para que propostas legislativas com o intuito de promover uma sociedade equitativa no Brasil não sejam viabilizadas.
Quais outros desafios – individuais, organizacionais ou de meio ambiente – você atualmente enfrenta ou poderiam impedir o futuro sucesso do seu negócio e como você pretende superá-los?
As indústrias de alimentos e medicamentos podem decidir não se tornarem apoiadoras da saúde, caso obtenham menos lucro. Deve haver altos investimentos em tecnologia para criar um sistema propício para a inserção de dados nos cartões-saúde em cada cidade brasileira. No entanto, a otimização em variáveis como tempo e eficiência pode superar quaisquer dificuldades quanto à implementação deste novo sistema. Por outro lado, a população pertencente a classes mais favorecidas não teria descontos no primeiro estágio de implantação. Porém, poderá se tornar investidor nos fundos das parcerias público-privadas e obter dividendos que podem ser usados em planos de saúde.
Descreva brevemente sua estratégia de crescimento futuro
É necessário elaborar um projeto piloto para que o plano de negócios seja implantado. Pretendo aplica-lo em uma região onde haja inúmeras deficiências quanto à assistência à saúde. Nesta primeira fase de implantação é preciso criar um sistema de dados robusto para a distribuição dos cartões-saúde para a população e criação de redes nas empresas.
Em quais dimensões de crescimento você atualmente está focando para sua inovação? [selecione todas que se aplicam]
Novo(s) grupo(s) de cliente(s), Nova(s) região(ões).
O que faz o seu negócio estar “pronto” para crescer?
O uso do cartão pela população desta região possibilitará a coleta de dados para a aprovação da parceria público-privada entre o governo e o setor privado desta região. Com a nova estruturação, os usuários de planos de saúde poderão optar pelo novo modelo, tornando-se investidores. As indústrias de alimentos, produtores rurais e indústrias farmacêuticas receberão incentivos fiscais.
Quais são seus objetivos-chave de crescimento?
Serão criados fundos para cada região do País com recursos advindos das empresas que serão beneficiadas com o novo sistema, as quais terão direito a um selo de acreditação. Os descontos concedidos à população de baixa renda que esteja em dia com seus exames preventivos e vacinas serão disponibilizados, com incremento na venda de produtos saudáveis para a prevenção das doenças.
Qual é o seu prazo para crescimento, no curto e médio prazo? Quais são as metas de crescimento e atividades-chave futuros?
No curto prazo: implantação do sistema nos Estados e posteriormente, nas regiões do País, a médio prazo. As metas de crescimento se direcionam à necessidade de que toda a população brasileira possua o cartão-saúde para que haja condições para a criação de um sistema de dados em todas as cidades do País. Este sistema será capaz de fornecer informações-chave para a criação de políticas públicas em áreas diversificados, otimizando o tempo e fundamentalmente, os gastos públicos. A liberação dos recursos em fundos será efetuada de acordo com padrões de excelência em controle de finanças, para evitar e coibir fraudes advindas de conluios e atos de corrupção. Haverá fomento para produtores de alimentos funcionais, agricultores de alimentos orgânicos e para a indústria farmacêutica.
leia mais↓↑ ocultar↑ ocultarQual foi o impacto da sua solução até hoje?
Essencialmente, em meu estudo acadêmico, procuro provar a necessidade de reestruturar o atual sistema de saúde pública brasileiro, através das parcerias público-privadas. O aspecto inovador do estudo está na inserção do usuário final como um polo que realmente seja capaz de interagir com o sistema, através de categorias: penso que será necessário agrupar pessoas aptas a se tornarem investidores em fundos de custeio para estes sistemas, para que ele seja operacionalizado de modo eficiente e que, desta forma, não faltem recursos para priorizar a população que não possui recursos para tal fomento.
Esta operacionalização se dá através de uma real "accountability" feita com o uso de "cartões de acesso à saúde" emitidos pelo Ministério da Saúde para todos. Estes cartões carregariam informações em chips sobre o histórico de cada indivíduo e sobre os dados coletados em cada atendimento. Além disto, a cada atendimento, este cartão serviria para oferecer um banco de dados para futuras políticas públicas em ações preventivas e, principalmente, ofereceria o meio ideal para controle das despesas efetuadas e receitas utilizadas pelo Ministério.
Como se trata de uma ideia, não é possível mensurar a solução até hoje. Saliento que, como o cartão-saúde comprova o atendimento em tempo real, é possível criar um sistema de atendimento telefônico nacional (disque-saúde), para que os usuários saibam para onde se dirigir em casos de emergência, com a certeza de que serão atendidos. Também é possível agendar consultas e receber orientações básicas e emergenciais através deste atendimento.
Quais métodos de quantificação de impacto social você está usando (se alguma)?
As regiões administrativas geridas por consórcios de empresas na área da saúde, em contratos entre as esferas pública e privada, possuiriam investidores da própria região, que também podem usufruir dos serviços de saúde, com seus dividendos (como se fossem prestações pagas para operadoras de serviços de saúde) ou utilizarem seus créditos como lhes aprouver, em serviços particulares, se assim preferirem. Seria dada preferência a médicos especialistas para a formação destes consórcios. Com os cartões em mãos, a população residente em uma determinada região administrativa, caso necessitasse de atendimento em qualquer outra região do País, teria seu custo inserido no sistema de dados imediatamente, para que o repasse de verbas de determinada região administrativa pudesse ser efetuado.
Sua solução poderia funcionar em outras locais ou regiões? Se sim, onde?
Acredito que esta solução possa ser aplicada em outros locais onde haja mercados abertos e onde haja necessidade de otimização em serviços de assistência à saúde da população.
Idealmente, a solução deve ser aplicada no País inteiro para que haja consolidação dos dados e constante monitoramento.
O sistema pode ser replicado em mercados maduros e em países economicamente emergentes.
Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
Com a implantação do projeto piloto, é possível mensurar a base de dados coletada pelo sistema. Esta base de dados irá demonstrar aos controladores onde são necessárias políticas públicas de aperfeiçoamento da prestação de serviços públicos. Por outro lado, também servirá como apoio à indústria farmacêutica para um adequado planejamento de suas pesquisas, por receberem com antecipação informações relevantes sobre as necessidades da população.
O controle e consequente fiscalização do sistema permitirão um alto grau de previsibilidade quanto aos investimentos, atraindo, destarte, mais investidores para os contratos de parceria público-privada. O ponto nodal de aperfeiçoamento está concentrado nas campanhas preventivas para melhoria da saúde da população, acessíveis a todos.
leia mais↓↑ ocultar↑ ocultarDescreva sua estratégia financeira atual
Por se tratar de um estudo acadêmico que vem sendo aperfeiçoado ao longo dos anos para se tornar um projeto de negócios, ainda não há uma estratégia financeira atual consolidada. O embasamento para este estudo foi publicado em artigo disponível em http://www.advogado.adv.br/artigos/2006/fernandakellnerdeoliveirapalermo.... Com o subfinanciamento da saúde pública, a distribuição dos serviços não é equitativa e não há mensuração dos resultados. Houve o fechamento de muitos hospitais privados recentemente, devido à alta carga tributária do setor. Com este novo modelo de parceria, o foco não se direciona somente à construção de novos hospitais, mas principalmente na prestação de serviços eficientes, pois a remuneração do parceiro privado ocorre de acordo com parâmetros baseados na qualidade e quantidade de serviços efetuados, previamente estabelecidos. Portanto, minha estratégia financeira ideal se baseia no aumento da oferta de planos para a população de menor renda, possibilitando diminuição da carga tributária; controle absoluto quanto à prescrição de medicamentos e comercialização nas drogarias através do cartão-saúde; planejamento e monitoramento em tempo real do atendimento; e economia aos cofres públicos com o incremento e incentivo das campanhas de prevenção e consumo de alimentos saudáveis pela população. Futuramente, será disponibilizada opção de inserção dos dados referentes ao genoma de cada portador do cartão-saúde em seu próprio cartão, para aperfeiçoamento do sistema.
Parcela da geração de receita na renda total da organização (em porcentagem)
Vendas diretas a pacientes e outros beneficiários (em porcentagem)
Das possíveis fontes dessas vendas, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Empresas Privadas.
Taxas de licenciamento, por exemplo, para modelos de tecnologia/franquia (em porcentagem)
Das possíveis fontes de oportunidades de licenciamento, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Governo local/regional, Governo nacional.
Contrato de serviço com organizações, por exemplo, governo, ONGs (em porcentagem)
Das possíveis fontes de contratos de serviço, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Fundações, ONG/OCS, Empresas Privadas, Governo local/regional, Governo nacional.
Explique sua estratégia de geração de receita mais detalhadamente
Para que haja financiamento adequado, é necessário que haja desoneração de impostos cobrados às empresas que estão direta e indiretamente ligadas ao setor de saúde. A implantação de um sistema de dados coletados em tempo real através dos cartões-saúde significará uma economia sem precedentes aos cofres públicos, por sua agilidade na prestação dos serviços e controle do que efetivamente foi gasto, coibindo fraudes e atos de corrupção. Os recursos dos fundos gerados pelo incentivo às empresas viabilizarão o atendimento aos 150 milhões de desassistidos, em conjunto com a economia advinda das campanhas de prevenção, do modo mais abrangente possível. A população terá acesso a alimentos que nunca puderam comprar anteriormente, por seus altos custos. As vendas das empresas produtoras aumentarão.
Parcela da geração de receita na renda total da organização (em porcentagem)
Estratégias de filantropia que você usa
Estratégia diversificada.
Explique sua abordagem filantrópica mais detalhadamente
As organizações sociais sem fins lucrativos terão papel de destaque no sistema, pois serão incentivadas a participar dos consórcios para se tornarem parceiros nos contratos de parceria público-privada. Com a otimização do sistema e a facilitação quanto à fiscalização, seu grau de confiabilidade junto à sociedade civil aumentará.
Voluntários na área de assistência à saúde serão aceitos na fase inicial de implementação, para que muitas pessoas se sintam corresponsáveis quanto à gestão da saúde pública de sua região.
Fale mais sobre os itens selecionados; explique como você vai manter o financiamento.
As campanhas de prevenção devem ser promovidas mensalmente pelo Poder Público. Estas campanhas devem ser amplamente difundidas e todos os seus aspectos devem ser colocados em relevo para a população. Haverá possibilidade de prevenir doenças e, desta forma, ela será beneficiada por poder adquirir alimentos, serviços e medicamentos com descontos para a manutenção de sua saúde em perfeito estado.
É necessário que os estabelecimentos comerciais conveniados ao sistema estejam aptos a comprovar o percentual de descontos oferecido a cada portador do cartão-saúde. Este percentual será calculado de acordo com a assiduidade de seu portador, com relação às campanhas de prevenção.
Quanto maior o número de pessoas beneficiadas com descontos, maior será a economia para o Poder Público quanto ao tratamento de doenças que ocorrem devido a maus hábitos alimentares e desleixo quanto à exames periódicos com vistas à prevenção de doenças.
Além disto, com a implementação deste sistema em vários países, será possível transferir recursos internacionalmente no caso de atendimento efetuado em países estrangeiros.
Os recursos economizados poderão ser utilizados em políticas de fomento à produção de alimentos saudáveis e pesquisa de novos medicamentos.
Criado em 03/5/2013 por mHealthVenturesIndia
MeraDoctor delivers unlimited medical advice from licensed doctors to low-income families across India, 24x7, for as little as 2 rupees a day.
We transform primary healthcare in India into an easy, affordable virtual consultation by innovatively deploying part-time, stay-at-home doctors; a massive rural distribution network; and innovative telecommunications and health technologies.
Organização: MeraDoctor
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
9. País onde organização atua, possui seu projeto implementado
Natureza da organização
Privada
Ano de fundação da organização
Anos em Operação
Anos de operação da organização
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
Queremos saber mais sobre seu momento “A-ha!”. Compartilhe a história sobre onde e quando o(s) fundador(es) viu(viram) o potencial desta solução para transformar o mundo.
The idea for MeraDoctor grew out of our conviction that mobile phones will transform the delivery of healthcare just as they have transformed the provision of financial services via mobile payments and transfers. Having experienced that transformation, we know that achieving a similar transformation in healthcare will require technology, customer influence, and business model innovation.
leia mais↓↑ ocultar↑ ocultarExplique sobre o que trata a "inovação”; por exemplo, é uma idéia e/ou um modelo que você usa para concretizar uma idéia, ou talvez seria sua compreensão da população-alvo, etc?
MeraDoctor makes high-quality health advice easy and affordable by offering consultations with licensed doctors over the phone 24 hours a day. By making primary care virtual, we enable good doctors to serve patients at a low cost almost anywhere in India, exponentially expanding access to high quality health advice
A similar model -- phone triage by nurses -- is common in public and private health systems across the US, UK, Australia, Canada and New Zealand. However, in adapting this model to be a primary care service for rural and urban India, we have had to relentlessly innovate both in terms of service features as well as in terms of our operational model. For example, rather than nurses, we employ only licensed doctors since doctors are more trusted by rural families. Similarly, to reduce costs and barriers-to-use for poor families we have created a missed-call access system that makes calling us free and easy. Finally, we’ve used partnerships with large financial and retail players to deploy a massive distribution network that enables rural families to buy our service conveniently and in cash. Together, these innovations mean that we can bring affordable, easy, high quality medical advice to people all over India very quickly. We are just beginning to see how powerful this reach will become in transforming the delivery of healthcare in India.
Descreva como o seu modelo de inovação é diferente de qualquer outra organização na sua área.
MeraDoctor stands out as the easiest way to get reliable medical advice. Unlike our competitors, people can use us from home, at any hour of the day, without incurring phone charges, and are instantly connected to a live, fully licensed doctor. In India, MeraDoctor competes with local doctors and quacks, telemedicine start-ups, and mobile operator hotlines. Compared to these players we are easier-to-use (24x7, free missed-call), more accessible (available for cash purchase at thousands of locations), and higher quality (only trained and licensed doctors supported by clinical software). Many of our rural customers say they have never had a healthcare experience like ours in which doctors are patient, compassionate, and proactively follow-up to ensure improvement.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
Today, up to 80% of rural Indians rely on unqualified local providers (quacks) for everyday healthcare because although rural areas are home to 72% of India’s population, only 26% of licensed doctors live there. Most of these people want better care. MeraDoctor can help meet the demands of this market.
We have a highly experienced team, a track record of operations, scalable technology – and since early 2011 – we’ve provided more than 12,000 doctor consultations by phone to everyone from illiterate MFI borrowers to business executives in Mumbai. Having done more than 12,000 consultations for families across India, we’ve shown that doctors on the phone can resolve illnesses, correct mis-diagnoses, stop patients from wasting money on wrong treatments, and even save lives.
Como você garante que inova constantemente à luz de (potenciais) desafios externos, ou do seu plano de crescimento?
Our strategy in creating MeraDoctor has been to constantly iterate to make our product more effective, more affordable, and easier to use. All the various aspects of our product, from service features to marketing techniques to doctor scripts, have been developed over time as we have gotten to know our customers and built our capacity. This culture of constant iteration and improvement pervades our company and processes. Furthermore, our plans for future growth and product development are build around this strategy. We approach product and service innovation as a core process in creating our business, not as an exercise to be completed apart from our daily work.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarDesafio Sistêmico que você está tentando resolver [selecione apenas um]
Levar assistência médica acessível a comuniaddes em mercados emergentes
Área da Saúde (mercado alvo) em que a necessidade está [selecione apenas um]
Serviços de Saúde Primária
Categorias ao longo do continuo da saúde que você está cobrindo [selecione todos que se aplicam]
Prevenção, Diagnóstico, Intervenção, Acompanhamento, Tratamento de longa duração, Integração social.
Por favor, descreva mais detalhadamente: qual problema você está tentando resolver no contexto específico da organização?
Up to 80% of rural Indians rely on unqualified local providers (quacks) for everyday healthcare because while rural areas are home to 72% of India’s population, only 26% of licensed doctors live there. For most families, their everyday healthcare "relationship" is still with the local quack. Sadly, most quacks treat symptoms and not ailments, and often misdiagnose, so patients get temporary relief but do not get cured. After repeated visits to the quack, getting quality advice comes too late and even routine illnesses get worse. Many patients end up spending thousands of rupees to resolve simple illnesses. In 2004, 63 million people slipped below the poverty line due to health spending. MeraDoctor solves this problem my making high quality health advice accessible for all Indians.
Estágio que melhor se aplica à sua solução [selecione apenas um]
Start-up e crescimento (piloto operando e em expansão)
Estratégias centrais do seu modelo de negócios
Design centrado no paciente, Redesenho do sistema público de saúde para mais eficiência (em termos de processos, estrutura, etc), Papéis novos/redefinidos para prestação de serviços de saúde, Novas abordagens para a distribuição de produtos e serviços de saúde, Parcerias entre atores não convencionais (entre atores tradicionais e atores externos ao sistema de saúde).
Ferramentas mais relevantes que você está usando para implementar as estratégias descritas acima [selecione apenas duas]
Tecnologia, Consulta.
Por favor, descreva sua solução mais detalhadamente
MeraDoctor makes high-quality health advice easy and affordable by offering consultations with licensed doctors over the phone 24 hours a day.
Customers buy unlimited doctor advice for as little as Rs 149 ($3) per month at chemists, mobile shops, banking agents, and government service outlets. After giving us a free missed call, the customer immediately receives a call from our staff and is quickly transferred to a trained doctor. The doctor listens to all of the customer’s issues and concerns, asks probing questions, and makes a diagnosis and recommendations with the support of MeraDoctor’s clinical software. After the consultation, a prescription for over-the-counter drugs and summary advice is sent by SMS. When required, the doctor refers the patient to a specialist.
Qual é sua visão e objetivos gerais?
Our overall vision is for MeraDoctor to gain mass recognition in healthcare by delivering a unique value proposition, an easy way to get reliable health advice that embodies four key values that are missing in much of healthcare today: reliability, honesty, simplicity and compassion. To deliver on this vision, we will generate awareness and loyalty, and advance towards our company’s mission of becoming the trusted primary healthcare advisor for one million families in India by 2017. In the next twelve months we will acquire 100,000 new customers and validate a low-cost rural customer acquisition strategy.
Qual é sua proposta de valor?
Compared to our competitors we are easier-to-use (24x7, free missed-call), more accessible (available for cash purchase at thousands of locations), and higher quality (only trained and licensed doctors supported by clinical software). To start, we offer unlimited consultations for a single price, seeking to build a reliable, trusted relationship with each family that will grow over time. Second, we only employ licensed, carefully selected and trained MBBS doctors to ensure our medical advice is accurate. Third, we believe in face-to-face contact with our customers as best, most simple way to sell our service. This is why we have partnered with companies with physical or financial relationships with our customers. Overall, we believe our product offers value on cost, care, and quality.
Quem são seus clientes?
Our target customers are the 84 million families in rural India that own a mobile phone and earn over Rs 7,500 ($137) per month, but lack ready access to licensed doctors. They spend Rs 8,000 crore ($1.5bn) annually on out-of-pocket primary care and outpatient fees.
U.P. state is our first target market due to its size (nearly 200 million people), population density, cell phone penetration, poor access to healthcare, and moderate levels of disposable income. Here, we strive to sell to men, ages 25 to 45, who are family decision-makers, have the disposable income and education to want good medical advice, and are comfortable using services on a mobile phone. We seek to become trusted advisors for them and their family members, particularly women who typically get less medical care.
Quais abordagens você usa para alcançar seus clientes?
Most rural customers we meet have little faith in local providers, but still find them to be convenient for apparently minor ailments. For MeraDoctor to compete, it must be equally easy to access. We have already begun implementing this strategy by signing up many of India’s largest rural distribution networks in the financial and retail world. With a total of about 17,000 sales points signed up in U.P. alone, these partners (e.g., FINO, Eko, SREI Sahaj, Oxigen, Beam, Vayamtech, etc) allow us to reach our customer quickly and at a low cost. We will add to this reach by leveraging community members such as teachers, ASHA workers and part-time agents who themselves use our service, and can endorse and sell it to neighbors who need quick medical advice.
Quais sãos suas atividades principais?
Our primary activity is to manage and monitor a team of doctors who are serving patients remotely. As part of this activity we operate a call center, create and manage health records, and have built medical decision support software that links patients and doctors easily and seamlessly. Beyond the actual provision of medical advice we also manage a number of marketing and community outreach initiatives, as well as distribution and sales relationships with large channel partners.
Quem são seus pares e concorrentes? Quais problemas esses atores poderiam representar para seu sucesso e crescimento?
In terms of delivering primary care health advice MeraDoctor competes with local doctors and quacks, telemedicine start-ups, and mobile operator hotlines. Our most direct competition is the local quack, since our customers tell us they don't feel comfortable taking health advice from their airtime provider and want to speak to a licensed doctor (which other start-ups don't offer). With regards to the quacks, one might worry that they might malign our service in the community, but experience suggests quacks use and even market our service. Our hypothesis is that MeraDoctor will actually grow the number of doctor consults in a community due to its convenience, and that since customers will still use them for minor ailments, quacks won't suffer so much so at to motivate hostility.
Quais outros desafios – individuais, organizacionais ou de meio ambiente – você atualmente enfrenta ou poderiam impedir o futuro sucesso do seu negócio e como você pretende superá-los?
Since 2011 we have steadily identified and resolved key unknowns in our business model. On the revenue side, we have shown that customers will pay to be able to consult with licensed MBBS doctors by phone. We have also demonstrated how to set up large-scale networks of transaction points where customers can purchase our services. On the cost side, we have validated various near-term variable cost levels (e.g., doctors, telecoms, telecallers) and identified those costs that will decline over time or with scale. Our focus now, therefore, is to validate acquisition models that can take us to scale.
Descreva brevemente sua estratégia de crescimento futuro
To understand customer perceptions and usage we will acquire 100,000 new semi-urban and rural low-income customers in U.P and Maharashtra in the next twelve months. Our strategy is 3 fold:
1. Expand availability of MeraDoctor at retail outlets and community agents
2. Develop additional features that appeal directly to target segments
3. Engage communities with compelling stories/characters
Em quais dimensões de crescimento você atualmente está focando para sua inovação? [selecione todas que se aplicam]
Nova(s) região(ões).
O que faz o seu negócio estar “pronto” para crescer?
We have an experienced team, a track record of operations, and scalable technology. Also, we have:
- proven demand across segments
- seen strong uptake (60% repeat consultations)
- learned how to manage doctors remotely
- built software to guide consultations and conduct analytics
- recruited a world-class management team
- created distribution partnerships
Quais são seus objetivos-chave de crescimento?
To acquire 100,000 new customers in U.P. and Maharashtra in the next 12 months, in the course of which we will build our understanding of customer usage and perceptions, and validate a standardized, low cost customer acquisition model for rural India.
Qual é o seu prazo para crescimento, no curto e médio prazo? Quais são as metas de crescimento e atividades-chave futuros?
By the end of 2013, we anticipate acquiring 25,000 new customers and by March 2014, we will have acquired 100,000 new customers. This will require: 1) building operational capacity (in terms of medical staff) to handle growth, 2) validating a sales and marketing approach across our distribution partnerships, 3) developing more rigorous research and monitoring capacity internally to carefully track MeraDoctor usage and impact, and 4) continuing to develop service features that appeal to specific target segments in our market.
leia mais↓↑ ocultar↑ ocultarQual foi o impacto da sua solução até hoje?
By giving people easy, affordable access to good doctors, we help them become healthier and more financially secure. MeraDoctor gives many people access to responsible doctors for the first time. This means they get engaging consultations, accurate diagnoses, advice on how to get better, careful prescriptions, and caring follow-ups. For many, this is the first time they will have experienced such a high level of care. By getting resolution quickly and avoiding repeat visits for simple illnesses, we expect direct healthcare costs to drop dramatically for the poor. Plus, by avoiding overmedication and offering advice by phone, we also save our patients money on medicine, transportation, and missed wages.
Some high impact cases include:
• A 40 year-old male with a lump on neck called after drugs prescribed by a nearby practitioner were ineffective. MeraDoctor took his history, suspected a diagnosis of tuberculosis (TB), and referred the patient to a lab for testing. The patient couriered his results to MeraDoctor, which confirmed a diagnosis of TB. MeraDoctor referred the patient to nearby DOTS (Directly Observed Treatment Short) center for free treatment.
• 26 year old female, 8 months pregnant, called about blood loss per vaginam. Unlicensed “village doctor” had advised bed rest. On history MeraDoctor found that she was passing clots and had contractions. MeraDoctor suspected premature labour and referred her to the hospital. Patient delivered a healthy baby girl the next day.
Quais métodos de quantificação de impacto social você está usando (se alguma)?
Currently, our evidence for social impact is based on qualitative investigations with select patients, as well as broad -based observational research in areas where we are operational. Going forward, we have plans to develop additional case studies of our impact, implement a "health diaries" research project, as well as collect more rigorous data about how patients use MeraDoctor relative to other healthcare options available to them. To date, documenting social impact has not been a priority as we were focused on establishing and refining our service. However, now that we have shown that the service is works, we are ready to invest in the systems and processes needed to show that it has meaningful social benefits.
Sua solução poderia funcionar em outras locais ou regiões? Se sim, onde?
We believe our model can be effective in expanding affordable access to healthcare in other developing countries and regions. While we plan to concentrate our efforts in India, we would expect firms in other markets to replicate our success in other parts of Asia and Africa. Since we are delivering MeraDoctor through varied last-mile channels, including direct sales, microfinance institutions, and branchless and mobile banking, we are creating learning that may be adapted to diverse markets. Wherever there is demand for low-cost high-quality healthcare, as well as an affordable mobile infrastructure, our solution could be adapted.
Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
We expect to create health and financial benefits for as many as 600,000 people over the next twelve months (including up to 6 family members for each membership). If we instead assume that each new customer registers only one patient, direct beneficiaries will number 100,000 at a minimum. Indirect beneficiaries will include these patients’ 500,000 family members (assuming 5 members to a family) who will benefit from savings resulting from cheaper consultations, less waiting time at clinics, less travel to providers, lower spending on unneeded drugs, and fewer repetitive outlays at multiple providers when an issue is not cured the first time.
leia mais↓↑ ocultar↑ ocultarDescreva sua estratégia financeira atual
We have received funding (in equity and convertible loans) from Aavishkaar India Micro Venture Capital Fund and an angel investor in India. Our investors will anchor an upcoming Series A investment round to finance growth through break-even and to lay the foundation for scaling up.
Parcela da geração de receita na renda total da organização (em porcentagem)
Vendas diretas a pacientes e outros beneficiários (em porcentagem)
Das possíveis fontes dessas vendas, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Doações individuais, Pacientes, Empresas Privadas.
Taxas de licenciamento, por exemplo, para modelos de tecnologia/franquia (em porcentagem)
Das possíveis fontes de oportunidades de licenciamento, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Contrato de serviço com organizações, por exemplo, governo, ONGs (em porcentagem)
Das possíveis fontes de contratos de serviço, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Empresas Privadas.
Explique sua estratégia de geração de receita mais detalhadamente
We sell multiple membership products directly to low-income families across semi-urban and rural India. These products provide unlimited doctor consultation for up to 6 patients for as little as one month, up to one year's duration. Our annual memberships include personal accident and hospitalization insurance as well as discounts at diagnostic centres and pharmacies. Packages sold directly to low-income customers (not online) range from Rs 149 ($3) to Rs 1299 ($24). Over time, we expect to earn about 15% of revenue from “incremental sources” such as partnerships with pharmaceutical companies, insurers, telecom firms, diagnostic labs, and healthcare providers. We have already established a number of such partnerships which we expect to expand over the coming years.
Parcela da geração de receita na renda total da organização (em porcentagem)
Estratégias de filantropia que você usa
Estratégia diversificada.
Explique sua abordagem filantrópica mais detalhadamente
To date, we have not pursued philanthropic capital and instead have depended on private investment and revenues to grow MeraDoctor. At this stage, we are pursuing several philanthropic organizations in an effort to raise capital for research and monitoring, as well as community outreach.
Fale mais sobre os itens selecionados; explique como você vai manter o financiamento.
We expect to break even on a monthly basis within about twelve months and finance growth through private capital infusions from impact and venture capital investors.
world largest cloud omnipresent enterprise application development which will reduce crime corruptions and poverty free commerce finance ,insured services www.antiquebank.mobifinancially secured progressive systems& devices Application idea to innovative will benefit next 2.7 billion adults, more than half of the world’s working-age population, and under poverty line common masses do not have access to financial secured policy services that our Antique Bank Smart systems™ will run automatically microfinance and insured by every life non- life data and all commercial live bid and money tran
Criado em 03/3/2013 por Pradeep Gohil
world largest cloud omnipresent enterprise application development which will reduce crime corruptions and poverty free commerce finance ,insured services www.antiquebank.mobifinancially secured progressive systems& devices Application idea to innovative will benefit next 2.7 billion adults, more than half of the world’s working-age population, and under poverty line common masses do not have access to financial secured policy services that our Antique Bank Smart systems™ will run automatically microfinance and insured by every life non- life data and all commercial live bid and money transact
Organização: Ape&Superape Entertainment& InfoTech (P) Ltd
mais ↓↑ ocultar↑ ocultarNome da Organização
Ape&Superape Entertainment& InfoTech (P) Ltd
Página da organização na internet
Países onde este projeto vem gerando impacto social
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leia mais↓↑ ocultar↑ ocultarNome do seu projeto
Antique Bank Smart Systems™
Selecione o estágio que melhor se aplica à solução
Ideia (você está para lançar)
What problem is your organization committed to solving? In particular, share what is innovative about your approach.
world largest cloud omnipresent enterprise application development which will reduce crime corruptions and poverty free commerce finance ,insured services www.antiquebank.mobifinancially secured progressive systems& devices Application idea to innovative will benefit next 2.7 billion adults, more than half of the world’s working-age population, and under poverty line common masses do not have access to financial secured policy services that our Antique Bank Smart systems™ will run automatically microfinance and insured by every life non- life data and all commercial live bid and money transaction of every time will secured one hand to another allow them to safe & save money securely, borrow money affordably, make payments knowledgeably, and insure themselves against potential hardships
What are your organization's top three priorities in the next year?
we are going to ready run this application and systems innovation will all industry public ,private and government have come ahead with support for joint venture to allow are currency design ,regulatory and policy (poverty free commerce one hand to another’s microfinance secured and insured every all kind brand mobile&desktop product and services users have to adopt attached are joint venture with Enter/Invest/Merge to e adopt are e-direction of hand held mobile internet devices and solution will generate largest business and million’s mobile end users life cycle e-direction will attached are systems and never ending profit will generate by every finance &commerce deal we are going public in to first USA/India/China largest population will benefited through our financially secure and insured web and mobile internet devices (MID) systems and new trend poverty free commerce by all public ,private and government micro profit and tax sharing to secured&insured first to poor and under poverty line common man will improving supported our all-risk policy hand held e-direction Antique Bank Smart Systems™ will increase purchase power will cover all risk adapted secure and insured finance e-direction of mobile internet devices (MID) for largest public, private and government oriented cloud omnipresent enterprise application of witness wallet currency route forward/back sale purchased and advanced tax deduction be half of public, private and government data history track by mobile&desktop devices outlet franchisee with all industry public, private and government will following are e-direction every cash flow will control by our all tax and recovery deduction in every finance deal and transaction will generate microfinance and insured refilling remittance automatically
Need #1
Selecione todas as opções válidas
Need #2
Selecione todas as opções válidas
Based on your first choice of the eight technical categories you selected above, what is your specific project need? Please be specific!
Will support from American Express be focused on your organization overall or a specific product/service? Please describe.
Have you focused on the above area previously? If so, please explain, including whether you have worked with outside consultants before.
Are you able to commit 3-5 hours/wk over 10-12 weeks?
Selecione todas as opções válidas
Are you able to meet virtually or at a convenient in-person location?
Selecione todas as opções válidas
Are you able to meet in the city where your organization is based?
Selecione todas as opções válidas
3.
Public: Increasing purchase powers by our web content credentials live bid poverty free commerce finance ,insured services
Qual foi o impacto da sua solução até hoje?
What is your project future impact after receiving professional support from American Express?
all kind brand mobile&desktop product and services users have to adopt attached are joint venture with Enter/Invest/Merge to e adopt are e-direction of hand held mobile internet devices and solution will generate largest business and million’s mobile end users life cycle e-direction will attached are systems and never ending profit will generate by every finance &commerce deal we are going public in to first USA/India/China largest population will benefited through our financially secure and insured web and mobile internet devices (MID) systems and WTO new trend poverty free commerce by all public ,private and government micro profit and tax sharing to secured&insured first to poor and under poverty line common man will improving supported our all-risk policy hand held e-direction
Temas relacionados à inscrição
Criado em 03/2/2013 por Avikk
In India, still there are approx. 750 million low-income & poor people who are excluded fro the formal financial system and don't have access to basic banking, insurance, medical cover, pensions and other financial services.
The Government is now opening lots of bank accounts, but the people are not saving or banking. There is very little activity. The Government's focus on other financial services like insurance, pensions, medical cover & investments for the poor is very minimal.
Organização: Sanchayan Society
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
Países onde este projeto vem gerando impacto social
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarNome do seu projeto
Complete Financial Inclusion for BOP
Selecione o estágio que melhor se aplica à solução
Crescimento (seu piloto está em andamento e começa a se expandir)
What problem is your organization committed to solving? In particular, share what is innovative about your approach.
In India, still there are approx. 750 million low-income & poor people who are excluded fro the formal financial system and don't have access to basic banking, insurance, medical cover, pensions and other financial services.
The Government is now opening lots of bank accounts, but the people are not saving or banking. There is very little activity. The Government's focus on other financial services like insurance, pensions, medical cover & investments for the poor is very minimal.
To fully include the poor into the system and help them to move out of poverty in the long run, Sanchayan is opening "Sanchayan Suraksha Points" [SSP] which will provide all "financial services + financial information" at one -stop points to the urban poor.
What are your organization's top three priorities in the next year?
1. Further testing of "financial services + financial literacy" model
2. Expansion to 200 SSP outlets
3. Partnerships with financial services providers & client acquisition
Need #1
Consumer/Audience Acquisition
Need #2
Message & Brand Strategy
Based on your first choice of the eight technical categories you selected above, what is your specific project need? Please be specific!
1. Use the skills and experiences of American Express Senior Management team to understand, segment and acquire customers
2. Develop the strongest brand message to capture the BOP customer's mindset
1.
Engagement with partners; constant communication
2.
Value exchange - for both parties
Will support from American Express be focused on your organization overall or a specific product/service? Please describe.
Have you focused on the above area previously? If so, please explain, including whether you have worked with outside consultants before.
Are you able to commit 3-5 hours/wk over 10-12 weeks?
Selecione todas as opções válidas
Are you able to meet virtually or at a convenient in-person location?
Selecione todas as opções válidas
Are you able to meet in the city where your organization is based?
Selecione todas as opções válidas
1.
It will bring experience on our side - our entire team is under 30; and we have knowingly chosen a difficult mission
2.
We will get understanding of how business works from the experts
3.
Access to network and resources
Qual foi o impacto da sua solução até hoje?
In terms of quality, we have provided financial information and services that has helped them to feel more confident and secure..
In terms of numbers, we have reached out to approx. 87000 people in 3.5 years.
What is your project future impact after receiving professional support from American Express?
With right support, guidance, mentoring and resources, we can expand SSP to all over Delhi/NCR - more than 1000 outlets in 2-3 years. This will provide the poor people access to an infrastructure for financial information, financial planning, guidance, counselling and products. We cna reach out to more than 20,00,000 people over 3-5 years.
Temas relacionados à inscrição
Criado em 02/21/2013 por krshailabh
Uplift is the pioneer of community owned and managed risk protection systems in India.
Emerged out of the needs to access quality health care, at reasonable costs, the Health Mutual model of Uplift associates thousands of low income families who come together to share their health risks and access preventive and curative health services at rationalized rates.
Organização: Uplift India Association
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
9. País onde organização atua, possui seu projeto implementado
Natureza da organização
Sem fins lucrativos/ONG
Ano de fundação da organização
Anos em Operação
Em execução por mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
Queremos saber mais sobre seu momento “A-ha!”. Compartilhe a história sobre onde e quando o(s) fundador(es) viu(viram) o potencial desta solução para transformar o mundo.
When a woman community leader died of a surgery, we went to a commercial insurance and when the insurer told the women that the profit will belong to him when they don't fall ill, the women then said that they had no interest in being healthy because when they are healthy somebody else is making money. The idea of sharing risks was thus born along with a strong focus on access to health care.
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarExplique sobre o que trata a "inovação”; por exemplo, é uma idéia e/ou um modelo que você usa para concretizar uma idéia, ou talvez seria sua compreensão da população-alvo, etc?
This idea is based on health micro-insurance and savings, and the innovation consists in targeting new customers with a new way of distributing micro-insurance.
The origin of the idea and the details are presented below :
A huge chunk of the unorganized sector in India has no access to any health protection.Among them are domestic workers (house maid, drivers, gardeners ,nanny etc) who help families run their daily chores.
The idea is to design and test a savings financed health mutual micro insurance model through their employers who will provide the initial access and understanding to a health micro insurance product.
To ensure continuance and growth of the scheme a savings instrument will be introduced for the employees that will ensure lesser drop-outs and will ensure that the scheme grows and is sustainable.
The scheme will be modelled on Uplift's Health Mutual that will cover hospitalization expenses and will provide a range of value added services including
access to its 24X7 helpline to guide them towards the most appropriate medical service provider.
network of quality health care providers that will provide treatment at rationalized rates
health camps in coordination with network Health care providers to detect early onset of diseases etc.
The innovation lies in bringing a people owned voluntary health micro insurance product to non MFI clientele aiming to bring sustainability by roping in the employers not only in the initial financing but also in bringing understanding of the product to their employees.
Descreva como o seu modelo de inovação é diferente de qualquer outra organização na sua área.
Uplift's mutual model is unique as it does risk sharing between families rather than transferring the risks to an insurer-that way it is not only serving the needs of low income families but saves it from normal moral hazard and fraud issues in insurance. The focus on health access and prevention services make the model more about families managing their health issues and not just the risk. Secondly the financing model we propose (employers paying the initial contribution and securing the renewals through savings ) is an innovation in the nascent sector of health financing in India.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
Health protection in India for un-organised sector is still in its infancy and though there are now public health insurance schemes the outreach and utility remains a challenge even after half a decade of implementation and are not universal. Even after a family has accessed the scheme, the out of pocket expenses remain high.
Starting in 2003 with two partners in urban Pune,Uplift works with seven partners(2012) in providing health micro insurance to over 150000 lives across Maharashtra and Rajasthan. Uplift has the complete technical know how of setting up and managing health micro insurance. We are a technically skilled team comprising of health, management,IT specialists.We have created a range of client education tools, a network of Health Care providers (146) and an inhouse software
Como você garante que inova constantemente à luz de (potenciais) desafios externos, ou do seu plano de crescimento?
While public health insurance schemes are not universal,MFI's target only their borrowers and commercial insurance struggle to fulfill their social obligations through run down products- it provides space and opportunity for Uplift to keep innovating products and services for the unorganised sector as its growth in past decade has shown.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarDesafio Sistêmico que você está tentando resolver [selecione apenas um]
Levar assistência médica acessível a comuniaddes em mercados emergentes
Área da Saúde (mercado alvo) em que a necessidade está [selecione apenas um]
Tratamento paliativo (hospitalização, etc)
Categorias ao longo do continuo da saúde que você está cobrindo [selecione todos que se aplicam]
Prevenção, Diagnóstico, Intervenção, Acompanhamento.
Por favor, descreva mais detalhadamente: qual problema você está tentando resolver no contexto específico da organização?
Through the Uplift Model we have been trying
1)reduce obstacles in access of quality health care :in an unregulated medical environment, the poor have little capacity and information to access quality healthcare and make appropriate choices.
2)reduce health expenses:25% of Indian population fall below the poverty line with single hospitalization every year. The poor have to rely on out of pocket expenses not only to manage their health but their finances,making their livelihood very vulnerable.
3)the information asymmetry on health and health care:due to information asymmetries on health mechanisms and the lack of effective public healthcare systems, the poor rely on misinformation and superstition, beliefs favouring diseases and deaths that could have been easily avoided
Estágio que melhor se aplica à sua solução [selecione apenas um]
Start-up e crescimento (piloto operando e em expansão)
Estratégias centrais do seu modelo de negócios
Design centrado no paciente, Novas abordagens para a distribuição de produtos e serviços de saúde, Novas estratégias de financiamento para a saúde, Outros.
Por favor, especifique:
A more sustainable and localised solution by offering a community owned managed mutual risk sharing model
Ferramentas mais relevantes que você está usando para implementar as estratégias descritas acima [selecione apenas duas]
Educação/treinamento, Financiamento comunitário.
Por favor, descreva sua solução mais detalhadamente
1) To reduce obstacles in access of quality health care : our solution aims to reduce health expenses (see below, 2) and guide members to appropriate healthcare facilities (through access to Uplift 24x7 Helpline).
2) To reduce health expenses : we will offer a coverage of hospitalization expenses and we can rely on Uplift network HCP providing treatment at rationalized rates.
3) To reduce the information asymmetries on health : we will spread health preventives messages, through Health Check up camps organised by the HCP network, and information provided at the time of enrolment.
To ensure affordability of this product : in the first year, employer will contribute to the premium payment. In the following year, savings facilities will be there to facilitate payment of the premium.
Qual é sua visão e objetivos gerais?
Uplift vision : our health in our hands
Our overall objective : a better access to health for everyone
Our underlying objectives : improve access to quality healthcare (guide members to appropriate health care facilities and reduce health expenses and ) / improve health behaviour by spreading health knowledge and preventive message.
We apply this vision and objectives in all our projects we are implementing in Uplift, including this new project "Helping our hands".
Qual é sua proposta de valor?
Our value proposition with the project "Helping our helps" is health financing using micro-insurance through a community-based mutual model complemented by health savings.
This health financing is for a target population that is out of the reach of national health schemes, commercial insurance and microfinance providers. This is a segment vulnerable to high health expenses in the absence of proper information and guidance.
Access to health services is the second part of our value proposition. We propose to bring quality health services, information and access to the target population by means of a multi-layered health care provider network (providing concessions rates for Uplift members), a 24x7 helpline with a medical doctor and health check-up camps.
Quem são seus clientes?
Currently, Uplift customers are slum dwellers.
The average monthly per capita income of the families we are working with in Pune is 1900 INR (about 27€). We also measure poverty level with a in-house tool taking into account house, food habits, education, health, economic activity, documentation, financial links, ranging from level 1 to 7 (1 being the lowest). 90% of our members are level 4 and below.
Furthermore, our customers are not familiar with insurance principles, therefore systematic client education effort is required.
The specific group of customers we target in this project "Helpling our helps" are the domestic workers (housemaid, nanny, drivers, etc.) and their families, working in Pune.
Quais abordagens você usa para alcançar seus clientes?
In this specific project, we plan to approach domestic workers by reaching out to "cooperatives housing societies" in Pune (families who employ domestic workers). These housing societies have an office and elected office bearers among the families living in the society. We will approach them, communicate about the scheme and orient them during their monthly meetings.
We will use the following tools during those meetings : Uplift movie on health mutual fund concept, brochures for employers and for domestic workers.
Quais sãos suas atividades principais?
Uplift is providing technical support for implementing and managing health micro-insurance program :
- Back-office support: Back office processes design, Enrolment, Insurance card issuing, Claims processing (including medical checking), Enrolment and claims quality checking
- Front office support : Front office processes design (enrolment, claims, health services), Provision of preventive health care services, 24/7 helpline, HCP network building and management, Client education, Field activities assessment
- MIS:Data recording and back-up,MIS development
- Product pricing and design
- Risk Management and product design
- Trainings
Uplift has also consultancies activities (e.g. client education tools design) and is involved in international organisations (conferences, studies..)
Quem são seus pares e concorrentes? Quais problemas esses atores poderiam representar para seu sucesso e crescimento?
Our peers are :
- NGOs working on the slum areas with communities and providing micro-loans and other financial services for low income people.
Our competitors are :
- Commercial insurers providing micro-insurance products
- Government schemes
So far, these competitors have not been impeding Uplift growth : commercial insurers in India are selling micro-insurance products that most of the time are not efficient and does not match the needs of the customers. Government schemes are not fully efficient nor universal. Even though we can think that those scheme will become more and more efficient, we can work with them since OOPEs for the families who benefit from government schemes can remain high and those schemes are not providing health services.
Quais outros desafios – individuais, organizacionais ou de meio ambiente – você atualmente enfrenta ou poderiam impedir o futuro sucesso do seu negócio e como você pretende superá-los?
- Our main environmental challenge is regarding the micro-insurance regulation : currently, regulation in India regarding micro-insurance only identifies partnership between commercial insurers and organizations (MFI, NGO, etc.), like for microfinance. Community-based model are under discussion with the regulator (IRDA).
- Regarding organizational challenge, resources are a challenge. Fund-raising for this project is on-going.
- Getting skilled staff for our projects (including this new one) is an individual challenge, especially to find medical doctors.
Descreva brevemente sua estratégia de crescimento futuro
With this project, we want to target new customers group - the domestic workers - and their families, accross housing societies in Pune. Later we will target Mumbai also.
Em quais dimensões de crescimento você atualmente está focando para sua inovação? [selecione todas que se aplicam]
Novo(s) grupo(s) de cliente(s).
O que faz o seu negócio estar “pronto” para crescer?
Our business is ready for growth because we have achieved stability in our current business. Therefore, we can leverage :
- our 10 years experience in implementing and managing health micro-insurance program
- our quality health care provider network in Pune
- our 24x7 helpline facility
- our in-house micro-insurance software
- our experienced staff to lead the project
Quais são seus objetivos-chave de crescimento?
- Target new groups - domestic workers and their families
- Achieve scale to ensure sustainability of the scheme (2000 families is a minimum at the beginning) along with satisfaction of the members and planned social impact.
Qual é o seu prazo para crescimento, no curto e médio prazo? Quais são as metas de crescimento e atividades-chave futuros?
- Short-term : settle the program and achieve scale for sustainability (2000 families - 500 hundred families per quarter in the first year) in Pune
- Mid-term (3 years) : scale it up to other cities (Bombay)
leia mais↓↑ ocultar↑ ocultarQual foi o impacto da sua solução até hoje?
In 2012 :
151 000 members have been covered by the Uplift health mutual fund.
2555 claims have been reimbursed, for a total of 7 923 449Rs (i.e. more than 110K€).
Regarding the health services : 83 health check-up camps have been organized, for a total of 3933 beneficiaries, 5 700 members have benefited from free OPD, 5 300 referral letters have been given by field workers, 3 000 calls to the Helpline have been received, 7 000 people have attended health talks (discussion with members on one health topic in the community led by a field worker), 1354 people have attended the 22 health campaigns (information on a specific health topic with medical check-up).
By using those services, the members have saved 1 761 605 Rs (26K€).
By using the network of health care provider and the referral system, the members have saved 4 645 541Rs (69K€) on hospitalization costs.
The renewal rate ratio has reached 74%, while the member growth ratio has been 11%.
Observation : in the project "Helping our helps" the following services won't be proposed in the first year : free OPD, referral letters, health talks, health campaigns, because members will not necessarily live in the same area (today we organise those services per area, with a field worker dedicated to a specific area). Once we achieved our targeted families, we want to implement all those services also for domestic workers.
Quais métodos de quantificação de impacto social você está usando (se alguma)?
To measure social impact, we use following methods :
- In-house tool to measure poverty level of our customers (cf. question "who is your customers"), to ensure that we are reaching our target population;
- Amount saved by using health services and by using network HCP for hospitalizations : we calculate this amount saved according to market price they would have paid if they were not Uplift members.
- Services ratio utilization : number of members having benefited from health services/ongoing members
- Social performance ("ROI" for members) = Amount saved on services and hospitalizations / Premium paid
- Out-of-Pocket expenses : our target is to minimize OOPEs for the members.
Sua solução poderia funcionar em outras locais ou regiões? Se sim, onde?
Uplift health mutual fund concept started in Maharashtra in Pune, then was extended to Mumbai, and has recently been deployed in Rajasthan.
For the project "Helping our helps", pre-conditions required to start in a city like Mumbai exist :
- Cooperatives housing societies are there
- Government schemes are ineffective
- Health infrastructures exists and we already have a network of HCP in Mumbai
- We are developing a web-based MIS which can be deployed from everywhere
Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
For the "Helping our helps" project, we plan to reach out 2000 families, reduce their OOPEs for health expenses by at least 40%, create access to quality HCP at concessional rates, + activity plan for claims disbursed, amount saved, services utilization + increase usage of public and trust hospital by proper referral and guidance.
At Uplift level, we project to develop new partnerships with NGO and credit cooperatives in India, with or without link to micro-credit. In 2013, we are starting 2 new health mutual fund programs with partner NGOs, we have planned to reach XXX members.
leia mais↓↑ ocultar↑ ocultarDescreva sua estratégia financeira atual
Currently, we generate revenues through 3 sources :
1) Part of the premium collected - paid by the collecting NGO as service charge in exchange of technical support provided by Uplift (Technical support charges - TSC).
2) Revenue of consultancies that Uplift is performing for international organisations, private companies, etc.
3) Grants from two donors
As the technical support charges billed by Uplift are not sufficient to cover the necessary costs that Uplift is spending for the provision of technical services (especially for the new programs, implementation costs are very high), one of the donor (the French NGO InterAide) is providing grant to cover those cost and to allow Uplift to provide a lot a quality preventive services to the members, at a affordable cost.
Consultancies revenues are used to implement specific projects asked by private companies or international organisations to Uplift.
Finally, one more donor (International Labour Office) has granted Uplift to implement 2 specific projects (cf. questions below).
In this new project "Helping our hands", revenues will be generated by taking technical support charges from the premium paid by the members. We would like to get a grant to support the launching costs of the program/to form a security sinking fund, while keeping a premium affordable for customers.
Parcela da geração de receita na renda total da organização (em porcentagem)
Vendas diretas a pacientes e outros beneficiários (em porcentagem)
Das possíveis fontes dessas vendas, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Taxas de licenciamento, por exemplo, para modelos de tecnologia/franquia (em porcentagem)
Das possíveis fontes de oportunidades de licenciamento, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
ONG/OCS, Empresas Privadas, Outras.
Contrato de serviço com organizações, por exemplo, governo, ONGs (em porcentagem)
Das possíveis fontes de contratos de serviço, listadas abaixo, selecione todas que se aplicam à sua estratégia atual
Explique sua estratégia de geração de receita mais detalhadamente
Our revenue generation strategy is mainly focused on Technical support charges (TSC) we get from NGO partner. Those TSC are calculated as a part of the premium paid the members (usually we take 20% of the premium collected as TSC but this percentage can change according to the support provided).
Those TSC are paid by NGO (after collection of premiums) in exchange of technical support provided by Uplift: implementation of the program, Back-Office and Front-Office support, MIS support, product pricing and designing, risk management, trainings of the staff, client education tools provision, regular evaluation of the program.
We have also got consultancies from international organizations asking Uplift to implement MAS programs in their organization or to design client education tools.
Parcela da geração de receita na renda total da organização (em porcentagem)
Estratégias de filantropia que você usa
Estratégia diversificada.
Explique sua abordagem filantrópica mais detalhadamente
Currently, we get support from donors
- the NGO InterAide, which supports financially and technically the health micro-insurance program. Financial support is provided to ensure the social objective of the program, by financing mostly the staff and tools required to implement the value-added services as well as subsidies for the poorest families to help them to pay the premiums.
- the International Labour Office, which has granted Uplift to conduct two projects : “Making mutual mass market ready through introduction of savings financed product”: since 2012, Uplift has been developing use of savings in health microinsurance schemes through his network NGOs /“Back office efficiency”: with the support of an IT company, Uplift has been developing a new web-based microinsurance software
Fale mais sobre os itens selecionados; explique como você vai manter o financiamento.
A microinsurance programmes takes about 5-8 years to mature and our financing strategy till date has reflected that. Our financing strategy for the next 1-3 years will be the following :
- Review with the NGO partner the calculation of the technical support charges in order to cover the real cost of technical support provided by Uplift, especially for "mature" partners.
- Achieving scale and work with more partner NGOs in order to reduce fixed costs.
- Review and reassess the premium level, and calculate the correct pricing of the premium, to reach sustainability of the program (especially for "mature" partners), while keeping it affordable for the members.
- Applying to more competitive grants from international organization by getting FCRA (specific registration required in India to receive money from international donors, which we plan to get soon for Uplift), in order to launch new projects/partnerships (like the "helping our helps" one)
-Get a cooperative license that will enable Uplift to expand its operations through out India in a more sound manner.
Criado em 02/4/2013 por nssripriya
ReSource Fund’s mission is to serve the low-income community members and micro-businesses of the Ann Arbor and Ypsilanti area with equitable financial services.
Criado em 01/14/2013 por taminals
The classic maxim for ensuring the security of an SMS payment service is to make it depend on something that
i. Is held (possessed) only by the two parties involved in the communication
ii. Can be used by any current and legacy mobile devices
iii. Does not require internet connection.
The solution is PayTex.
leia mais ↓↑ ocultar↑ ocultarConte-nos sobre você/sua equipe
Adeyinka has a never give up spirit that has helped him a lot in his career. He never gives up on dreams. Even when he was growing up against so many odds he has received some notable awards like best student in Physics and Maths. He is a also a dynamic team member. Absolute gem to have in any team.
Temitope is a logical and focused thinker, self motivated and intellectually stimulated at the processes involved in technology development. He delights in new opportunities and challenges. His core values, strong foundation and pioneering activities makes for an ideal team member.
O que faz de você um intraempreendedor? Quais são as habilidades, capacidades e características pessoais que fazem de você um intraempreendedor?
We have always believed ingenuity is providing simple solutions to major problems we face in our daily lives. We also believe in creating a vision of the future we would love to experience.
While many organisations like to bamboozle clients and customers out there with loads of complex ideas which mostly create tons of other problems, we at Taminals believe strongly in technology, only if applied with simple and common sense.
To be an intrapreneur we believe you must be precise, self disciplined and of good character to ensure you successfully manage your personal and professional lives.
País principal onde este projeto está criando impacto social
Países e regiões adicionais
Indústria
Finanças, Seguros, Setor Imobiliário
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Ideia (você está para lançar)
A Necessidade: Qual problema social ou ambiental você está tentando resolver?
Considering a country like Nigeria, being the target market, the Central bank’s aim is to make the society a ‘cash-less’ one where corporate organisations are subject to a certain withdraw-able amount daily, as well as an individual limit and as forward thinking as this ‘cash-less’ decision might seem, it sure leaves a gapping hole in the society. This has created an immense need for a faster and reliable financial system that mirrors the idea of a successful mobile banking or payment service as businesses and sole traders tend to spend more than the withdraw-able amounts per day.
A Solução: Qual é a sua solução? Seja específico!
With further analysis of the above described need, some questions one might ask might be to consider whether customers will rather queue up in a bank to withdraw money daily or if businesses will rather deal with cheques from customers, on the other hand, will the banks be satisfied with an influx of disgruntled customers filling up its premises everyday? And if developing countries like Nigeria can ever remedy the lack of adequate mobile banking system in its society.
In a move to introduce mobile banking/payments to Nigeria, a desirable and acceptable solution has to be quick to use, easily understood, reliable and secure. Hence, the creation of an SMS based, highly secure, innovative and tremendously fast solution, PayTex, for the banked and unbanked population.
A Solução: Por que esta solução é inovadora para a sua empresa e indústria?
PayTex is a fast and secure service built on an enhanced platform to drive mobile banking to the heart of Nigerian businesses. PayTex will be the first of its kind in innovation as it does not mimic an already existing technology and unlike other technologies, there will be no need for an active internet connection on user’s mobile devices or the need to install or download an ‘app’ on mobile devices as it is solely SMS driven.
O Modelo: Nos mostre um exemplo específico de como sua solução faz a diferença; inclua suas principais atividades.
Considering some distasteful facts of some of the processes involved in mobile banking/payments in Nigeria today, a user will most of the time need a smart phone with an active mobile internet connection, which clearly is not at its best currently, our solution does not require an internet connection or the need to own a smart phone before mobile payments/transactions can be carried out. A user will only need to own a mobile device that is SMS enabled and with a prior knowledge of sending a text message, which is a universal mode of communication that people are familiar with. PayTex is highly convenient and affords the user an opportunity of making payments for goods and services, as well as, sending money to friends and families at their own convenience at any time of the day.
Our core scheme for using a Secure SMS for facilitating money transfers is simple:
i. User sends an encrypted message
ii. SMS is transferred to PayTex Service Point (PtSP)
iii. PayTex decrypts and processes the request and notifies (via an encrypted mode of
communication) Bank of necessary transactions to perform
iv. The bank initiates the transfer/transaction.
v. User gets a text of successful transaction.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
We are aware of some similar services and the fact that we would be operating in a crowded space. Take for instance, the 'eaZymoney offered by Zenith bank, Nigeria, however good their service may seem, it requires a user to purchase an enabled sim card or access via a smartphone application. Another similar service is the 'U-mobile' by UBA, Nigeria, which requires a customer to own an account or prepaid card with the bank and a Java enabled phone. PayTex on the other hand, requires no internet connection to access or the need for a smartphone device. It will also be available to the banked and unbanked population.
We believe the competitors would follow suit in this pioneering service rather than pose a threat to the success of PayTex.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
It was just over a year ago, we remember precisely having lunch at a restaurant in london, and just having a general conversation regarding the state of affairs in Nigeria at the time. Initially, the lunch was deemed as some sort of 'last meal' together as two of the three people present at lunch were relocating to Nigeria and USA but later turned out to be the birthplace of 'PayTex'. We clearly recall making sketches of the 'mock-up' process of PayTex on the restaurant's serviette. During our conversation, we discussed several opportunities and business ideas we thought we could begin in Nigeria and someone mentioned the new Central bank of Nigeria's cash-less society initiative. We then realised how a new market was about to emerge in the mobile banking sector and discussed the possibility of creating a payment by text service without the internet connectivity issues and what not. A prototype was then developed and tested.
Qual foi o impacto da sua solução até hoje?
Qual é o impacto previsto nos próximos 1 a 3 anos?
As this service could be deployed as a bank-initiated model, we plan on impacting over 100 thousand Nigerians in our first six months.
From there we anticipate to geometrically progress to 1 million.
The reason being, the solution we will be presenting to Nigeria is simple and easy to use by anyone of all ages.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
One of our great threat is hitting the ground running as hard as we want to. Financial barriers seems unavoidable; but our solution is so simple and well scalable so we know we can always glide our way through it.
We can operate the solution as a service and as a complete product. So given that, we can easily customise the package to work based on any deployable platform we find ourselves
leia mais↓↑ ocultar↑ ocultarQual é o benefício ou valor que você está criando para o seu negócio?
One of our main goals is to create jobs. Redefine the way people see technology and in essence create a tremendous avenue to grow technology, if you like, in Nigeria.
The problem so far is that Technological development in Nigeria is not impacting the job growth in the country as it should. You can handpick one or 2 companies doing great but the nation hasn't created avenues for other companies to progress.
We are going in that direction to eliminate the by-root problems the country is facing.
Como você está alavancando recursos internos (fundos, tempo, conhecimento, etc) para apoiar esta iniciativa?
Funds are limited, but we have an acute knowledge and analytical ability to move this project as far as anyone can. We have dedicated immense time towards defining the solution, making it as simple to use as mere picking up a phone and texting your friend. The team is comprised of 2 outstanding individuals with Master's degree in IT who both have brilliant and creative brains too.We are pursuing 3 more development resource personnel to move the project faster.
Detalhe sua resposta, explicando o plano de financiamento e apoio de longo prazo.
For the system to keep running and work effectively, it has to be updated regularly so as to keep up with financial technological changes and potential security breaches and enhancement.
The maintenance cost is incurred by the client.
We have also created the system in a way to allow for channels to distribute a robust advertisement portal. As Africa is a huge continent with immense potential possibilities and our system is designed to maximise any avenue possible to generate funds.
Conte-nos sobre suas parcerias dentro da empresa e externas que são fundamentais para o sucesso do seu projeto.
We currently only have 2 share holders in the company. But as the project expands, we are planning on creating a partnership structure to sustain the company and move it forward.
Qual apoio interno você obteve para seu projeto? Que tipo de críticas você enfrentou?
We currently support the project using personal funds and giving our technical backgrounds, are committed to the 'firsthand' development of the service. There have been slight push backs due to lack of sufficient funding to get the service to a desired completed state.
Criado em 01/13/2013 por harineem
A mutual fund which is for investors with below taxable income which will allow SIPs at amounts as low as Rs.100 a month and will invest half of it in debt instruments and rest in equity(preferably blue-chip companies) thus providing every earning income group to have ways to augment their meagre savings.
I
leia mais ↓↑ ocultar↑ ocultarConte-nos sobre você/sua equipe
I work for a multinational bank ,manage development of IT solutions for Credit Risk division . I have also worked worked in ecommerce and love programming and can code Java, Python, PHP and beginning R.
O que faz de você um intraempreendedor? Quais são as habilidades, capacidades e características pessoais que fazem de você um intraempreendedor?
A drive to improve the system and society in however small way possible.Passion for learning and innovation. I don't have a finance background but have been driven enough to try and understand how personal finance works same for Supply chain and Technology.
País principal onde este projeto está criando impacto social
Países e regiões adicionais
Indústria
Selecione todas as opções válidas
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Ideia (você está para lançar)
A Necessidade: Qual problema social ou ambiental você está tentando resolver?
Provide an opportunity for the lower income group to participate in the capital markets and gain from same. Without a proper exposure to investing avenues we constantly see situations where chit funds and ponzi schemes(eg: Sahara) cheat small investors of their savings. In a era where returns from banks have been falling only safe avenue left for small investors is Post office schemes which also have been losing shine due to govt decreasing interest rates and rising inflation
A Solução: Qual é a sua solução? Seja específico!
Micro Mutual Funds is a instrument where small investors will be able to invest small amount(SIPs) like 10Rs per day(100-300 Rs per month) with reputed Mutual Fund houses(5-star rated). And the MF houses will in return pool this money to use in balanced funds already available or created for the purpose. Since the target group has a low risk profile 50% of the funds should go into debt instruments(GOI Bonds) and rest in equity. These investors should not be charged entry/exit load so that they get the maximum benefit.Also the Direct Cash Transfer scheme proposed by Indian Govt puts money at the disposal of the lower income group which should be utilized in a way that the individual gets the highest returns.
A Solução: Por que esta solução é inovadora para a sua empresa e indústria?
It is innovative because none of the investment opportunities targetted by established fund houses and banks target the small investor(lower income group). The govt wants to bring more individuals to the capital markets but schemes like RGESS scheme again are targetted for people with taxable income,
My solution is to target people who have incomes lower than the taxable income and provide them exposure to the capital markets to gain higher returns for their money.
O Modelo: Nos mostre um exemplo específico de como sua solução faz a diferença; inclua suas principais atividades.
The Mutual Fund House or Bank identifies a existing successful balanced fund or sets up a new balanced fund targetted for all investors but specifically tailor made for small investor
Identify potential customers in low-income groups from their consumer banking division. This has to be the first set of consumers later a tie-up with Post Office will be needed to bring in more people as the lowest income group will not necessarily go to banks.
Setup a process where they can do a monthly deposit minimum of Rs.100, the fund houses should be forgiving if this is not consistently done but a monthly mailer should be sent to the investor to let him know how his investment is doing with a comparison of the returns he would have received otherwise in a savings account or a chit fund.
Because 50% of the funds go into debt instruments he is assured of a return in all markets.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
The peers or competitors for this scheme are the regulated and unregulated ones. The regulated ones are Bank savings account, Post office savings scheme and Gold investments. Unregulated ones are ponzi schemes, private savings schemes like Sahara India and Chit Funds.
Savings account and Post office savings have seen a fall in interest rates and as time goes the returns will keep going down(as seen countries like US) and will be negligible with inflation added. Gold as asset class lacks liquidity and there is no guarantee the run may continue as it has before.Also Gold needs an extra cost of security which can be avoided in a MF scheme.
With a little bit of awareness and good returns from MicroMF low-income groups can be weaned away from unregulated savings and Ponzi schemes.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
I have been aware of the success MicroCredit by Grameen Bank and also RGESS scheme introduced by the govt.Also being from Tamil Nadu where the past decade chit fund fraud was at the peak but slwly went down considerably with increased knowlege among the middle class about capital markets.
West Bengal currently also has a burgeoning of chit funds which will all likelihood go the Tamil Nadu way.Sahara India was able to rope in so many investors because no other reputed financial institution is targetting the lower income people.And the actions have come under question risking lakhs of investors in the lower rung of the society.
The Direct Cash Scheme gave me the idea since there is a great possibility of recipients making wrong investment calls or losing the money all together in ponzi schemes.Fund Houses and Financial Institutions need to target this market, these could also potential SME clients in future
Qual foi o impacto da sua solução até hoje?
Qual é o impacto previsto nos próximos 1 a 3 anos?
At least one lakh investors in key agricultural states by end of 3 years
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
Financial,regulatory and social barriers exist. Financial a signficant amout of backend processing and front office processing is needed as it is low quantity but high volume service. So there is bound to be hesitation from AMCs to support the idea but the social benefits far outweigh it. It would help if govt can provide some kind of tax breaks for the amount invested for MicroMFs
Social barriers exist where stock market is seen as a betting place and initial reluctance of investors to place their money.Also investors may not even be aware of the concept of a Mutual Fund, The extremely low amounts and education on the schemes can help overcome these.
The Aadhar card scheme can help in identifying individuals in absence of PAN cards.
leia mais↓↑ ocultar↑ ocultarQual é o benefício ou valor que você está criando para o seu negócio?
I will be creating Social and Financial Impact. Socially its an opportunity to help the lower section of scoiety thus increasing brand value. Financially create a new set of customers who have potential to grow.
Como você está alavancando recursos internos (fundos, tempo, conhecimento, etc) para apoiar esta iniciativa?
I have not initiated the idea within my firm. It arose only right around this contest
Detalhe sua resposta, explicando o plano de financiamento e apoio de longo prazo.
I have not initiated the idea within my firm. It arose only for this contest
Conte-nos sobre suas parcerias dentro da empresa e externas que são fundamentais para o sucesso do seu projeto.
Qual apoio interno você obteve para seu projeto? Que tipo de críticas você enfrentou?
I have not initiated the idea within my firm. It arose only for this contest
Commonwealth Life mulai melayani Nasabah sejak tahun 1992 dengan nama Astra Jardine yang kemudian berubah nama menjadi Astra CMG Life sampai dengan tahun 2007. Nama PT Commonwealth Life diperkenalkan untuk pertama kalinya pada Juli 2007, berdasarkan Surat Keputusan Menteri Hukum dan Hak Asasi Manusia nomor W7-07188 HT.01.04-TH 2007 tentang Persetujuan Akta Perubahan Anggaran Dasar Perseroan Terbatas.
El Dinero Global creará una nueva fuente de riqueza a la cual tendrá acceso toda la población mundial expandiendo de forma explosiva no sólo el mercado mundial de nutrientes sino también los recursos disponibles para tal fin.
Criado em 12/6/2012 por Green Re-Cycle.com
An approach that helps individuals to deposit waste and become shareholders and acquire rights to invest in any recycling business. Waste becomes an input that enables individuals to become participants on the stock exchange or commodities futures markets.
leia mais ↓↑ ocultar↑ ocultarConte-nos sobre você/sua equipe
We are a team comprising a computer programmer (at a university’s I.T department), a researcher and inventor and a banker (in the wholesale bank division). The diversity of disciplines shows the complex mix of ideas and the great blend of knowledge. We are an ambitious team seeking to change the world to a better place – improving on what it is currently. We are not only interested in making money but doing business in a way that makes the world a better place because the corporate world has money and power to actually make this reality. Find us at: http://www.facebook.com/pages/Green-Re-cyclecom/305478899486836 and http://www.google.co.zm/url?sa=t&rct=j&q=integrated+waste+management:+Gr...
O que faz de você um intraempreendedor? Quais são as habilidades, capacidades e características pessoais que fazem de você um intraempreendedor?
The knowledge, training and skill acquired while working in a world class bank with top notch managers, the ability to identify opportunity and articulate issues where they exist as well as being able to selectively determine what to invest my time and effort in make me an intrapreneur. The training, knowledge, determination, ambition, persistence and experience in the corporate world undoubtedly make me an intrapreneur
País principal onde este projeto está criando impacto social
Países e regiões adicionais
Indústria
Finanças, Seguros, Setor Imobiliário
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Inicial (um piloto que começou recentemente)
A Necessidade: Qual problema social ou ambiental você está tentando resolver?
The limited participation of less privileged people on the stock exchange, commodities futures exchange, big co-operations, carbon credit markets and intellectual property markets is the problem we are solving by empowering the less privileged through our innovation while dealing with issues of waste management and financial illiteracy. We are also creating a system that will help manage the careless and irresponsible dumping of waste thus reducing the incidence of avoidable epidemics like diarrhoea, cholera, malaria, etc. Through our strategy we create an innovative and collaborative culture in the society (working in teams produces better results than solo performances).
A Solução: Qual é a sua solução? Seja específico!
In order to help redistribute wealth and income as well as empower the poor and challenge status quo, the solution we offer is to create an enabling environment that will enable the poor to participate on the stock exchange and commodities futures exchange through innovative ways of managing waste and providing financial literacy. The limited participation of less privileged people on the stock exchange, commodities futures exchange, big co-operations, carbon credit markets and intellectual property markets is the problem we are solving by empowering the less privileged through our innovation while dealing with issues of waste management and financial illiteracy.
A Solução: Por que esta solução é inovadora para a sua empresa e indústria?
The approach we are proposing creates value by making real change in people’s lives and adding real value. We help the bank stay in people’s minds for the long run in line with the bank’s brand promise “Here for Good”. As social intrapreneurs, we believe that business that makes a real change in people’s lives stands the test of time and makes a greater impact
O Modelo: Nos mostre um exemplo específico de como sua solução faz a diferença; inclua suas principais atividades.
By grouping areas of low population density (such as farms) with areas of high population density (such as compounds) - waste that is generated in areas where there is on space to set up a biological recycling centre can be moved to areas where there is space to set up such a centre. One example is a Greenhouse in which plants are propagated in cartons which are used to carry liquids, such as empty shake-shake packs, and plastic bottles recycled into flower pots and plant containers. After their growth has been accelerated they can be distributed among homes near schools, restaurant and hotels. This helps to march the supply of fresh fruit and vegetables with demand and therefore reduces waste by cutting the cost of transport, refrigeration and avoiding over- productivity. We recommend the use of technologies of siemens –logo micro automation, SIMATIC S7- 200 and Craft Silicon-Bankers Realm EFT Solution (BREFT). Additionally, all biological agents have a great capacity of consuming waste and of multiplying quickly thus accelerating the transformation of waste into valuable product. Four biological agents identified include fungus, bacteria, plants and fish.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Competitors include but are not limited to Tesco, Recycle Bank, Agri-Capital and Bio-Construct. Our peers include WASAZA, Southern Bio Power, etc. Others who are trying to address the same needs are Recycle Bank. However, what differentiates us from them is that benefits that accrue to depositors are transferable. One can use their benefits to acquire shares or sell their shares to another party. However, recycle bank only offers discounted prices on their products in form of vouchers to depositors. Challenges would include intensified competition and aggression from competitors who would feel we are trying to take their market share.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
The current state of affairs in which investment trends are moving away from the stock exchange to the commodities futures exchange and the fact that people at the bottom of the social pyramid have little disposable income to invest on both, makes it is necessary to come up with an alternative investment scheme that enable the poor to invest on these exchanges. In addition, the waste management of cities highlights an opportunity for redirecting resource (after recovering them) from bins and sewers of both the poor and rich into investment schemes. This is the Integrated Waste Management System (Green Re-cycle.com) .Its purpose is to manage waste by techniques used to raise capital for various businesses on the stock exchange. Since waste of different kinds can be used as the principle raw material by various companies, it is therefore some kind of capital. This waste can therefore be recycled in the most cost effective ways by experts using different processes to produce various goods
Qual foi o impacto da sua solução até hoje?
This approach has shown that the major difference and benefit to an individual is that someone who deposits waste becomes a shareholder and has the rights to invest in whichever recycling business he or she chooses. Just as on the stock exchange, shares can be acquired on primary and secondary markets or by working for a recycling company. The bank can also act as a fund manager where pooled individual assets are invested on their behalf in stock indices or stocks of their interest. [See you tube and linkedin: weima , komptech , 2k manufacturing]
Qual é o impacto previsto nos próximos 1 a 3 anos?
• Increased number of low income earners participating on the stock exchange
• Increased financial literacy
• Production of bio fuel
• Production of organic fertilizer
• Generation of electricity
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
• Startup cost might be too high
• Resistance to change by society
• Increased competition for waste by participants
leia mais↓↑ ocultar↑ ocultarQual é o benefício ou valor que você está criando para o seu negócio?
The benefit we are creating for our bank is that which can not be obtained financially. Its value created by making real change people’s lives and adding real value. It’s a tool that the business world calls “Corporate Social Responsibility”. We help the bank stay in people’s minds for the long run.
Como você está alavancando recursos internos (fundos, tempo, conhecimento, etc) para apoiar esta iniciativa?
The bank’s brand promise is to be “Here for Good”, to be here for the long run as well as to be here for every good cause. As much as it is strong, highly liquid and financially sound, the bank strongly believes in bettering lives of people and societies in which it operates. As social intrapreneurs, we believe that business that makes a real change in people’s lives stands the test of time and makes a greater impact. A classic example is that of Merck Pharmaceuticals. We would like to create such value for our bank leveraging on the skill, discipline, experience and expertise of the top notch managers and mentors within the organization.
Detalhe sua resposta, explicando o plano de financiamento e apoio de longo prazo.
Since the whole process will operate like a unit trust/fund, the management and administration fees collected will ensure sustainable financing of the project. In addition, a fee will be charged for waste collection to cover transport and other costs in the same way that municipalities operate. Increase the number of people depositing waste through this centrally managed system, i.e. people gather garbage and on given days they dump it at the designated sites. Influence government to introduce incentives to encourage companies to invest in such businesses. The government should introduce policies to ensure people deposit waste at designated areas/spots. Have good levels of efficiency to encourage people to support the project. Since the bank has expressed interest in adopting the good idea
Conte-nos sobre suas parcerias dentro da empresa e externas que são fundamentais para o sucesso do seu projeto.
Within the company, Standard Chartered Group has extended its support to its international graduates (management trainees who are highly talented and ambitious individuals groomed to be future leaders). The strong partnerships and networks created through the international graduate programme of the bank are key to success within the business circles as well as the banking industry.
Qual apoio interno você obteve para seu projeto? Que tipo de críticas você enfrentou?
The bank (Standard Chartered Bank) has opened its doors to support all social intrapreneurs with great ideas. So as long as the idea is good the bank will adopt it and finance. The bank has identified a group of talented individuals to whom it has opened its doors and extended its support in this regard.
Looking for sponsorship situating to demonstrate New Financial Business Application Solution as Novel Lending Form absolve Interest Value, as Interest Free Substitute Proposal.
By review and theory test for lending forms in progress, for purpose of evaluating impacts in relations to financial environment. Different achieved monetary policies, appears insufficient tools for greater identify trouble and avoid crisis. The solution is on basis of treating in case of assumption; either bad monetary policies and/or insufficient implementation tools,
Criado em 10/29/2012 por Ethix
Ethix processes debit and credit card transactions at the industry's lowest rates and then delivers 25% of our total revenues to non-profits and community organizations selected by our merchant clients. Saving businesses money and converting fees to funds for communities nationwide.
leia mais ↓↑ ocultar↑ ocultarConte-nos sobre você/sua equipe
A passionate social entrepreneur pragmatically grounded in using the economy we have to get the economy we want. I believe in utilizing the power of the purpose driven brand in the age of social media to support the introduction of re-purposed business models that broaden the bottom line to include social impact. We are a small but quickly growing team of very excited and broadly talented intrapreneurs with the technology, communications, marketing, industry and start-up experience to really make things happen.
O que faz de você um intraempreendedor? Quais são as habilidades, capacidades e características pessoais que fazem de você um intraempreendedor?
I started my career with Accenture in London and learned a couple of important things that have charted my course ever since. Firstly, a solid foundation in business and technology and the ability to navigate existing organizational systems and cultures is critical to change-making. Secondly, change is born through innovation but must ultimately come from within. I have learned to apply the skills that I learned working in large financial services organizations to the creation of an alternative model that rides on the tracks of the traditional economy but applies a different value system and drives better social and local outcomes. I am a skilled communicator of a vision of a future in which we can all share and a competent executor of a framework that will support it.
País da Empresa
Estados Unidos , CA, Oakland, Alameda County
País principal onde este projeto está criando impacto social
Estados Unidos , CA, Oakland, Alameda County
Países e regiões adicionais
The Continental United States
Indústria
Finanças, Seguros, Setor Imobiliário
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Crescimento (seu piloto está em andamento e começa a se expandir)
A Necessidade: Qual problema social ou ambiental você está tentando resolver?
Ethix delivers a powerful fundraising tool to non-profits and community organizations that are trying to raise money in the face of budget shortfalls and declining charitable donations. We do this by redirecting funds that would otherwise be absorbed into the financial services industry back into local communities. Every dollar kept local and spent local delivers 4 times the economic benefit to communities than dollars that are taken into large corporate structures. Ethix also addresses the need for ethical standards in banking and re-purposed business models that make social impact part of their bottom line.
A Solução: Qual é a sua solução? Seja específico!
We process credit and debit card transactions at the industry's lowest rates and then deliver 25% of our total revenue from each merchant account as residual, monthly, non-stipulated income to a non-profit or community organization selected by the merchant client. We save businesses money, deliver residual income to non-profits, keep money local and allow consumers to give back with every swipe of their card. Our fees structure is transparent and easy for merchants to understand and our value system puts community first.
A Solução: Por que esta solução é inovadora para a sua empresa e indústria?
Several merchant services companies donate a percentage of their profits or "proceeds" to charitable causes. This real numbers associated with these CSR programs are difficult to discern as most merchant services firms do not exist to make profits and service shareholders. Returning 25% of gross revenues is unheard of and completely transparent as every merchant knows every month exactly how much he/she paid in fees and the corresponding value of the 25% donation.
O Modelo: Nos mostre um exemplo específico de como sua solução faz a diferença; inclua suas principais atividades.
Our home city of Oakland provides a great model of how this works and what I spend much of my time working on. I developed and am implementing our community partnership program. This allows any organization, regardless of non-profit status, to introduce Ethix to an existing network of merchants as a way for them to save money and help the introducing organization raise money for programs that support the neighborhood. Here in Oakland we are working with the Oakland Merchants Leadership forum which is the umbrella body of all the Oakland District Associations. We are working on a city wide outreach to all merchants affiliated with their local association in order that they may participate in the Ethix Program. Our infrastructure allows us to divide a merchants monthly donation 5 ways. This means that merchants can participate in a program that saves them money, delivers a portion of their donation to their local neighborhood association, a portion to their city wide merchant association, the OMLF and a portion to a cause of their choice. In this way we can deliver a residual, reliable income stream to the organizations that are working to bring economic improvements and support businesses in their areas. We are also funding local schools and other organizations supported by local merchants and their associations. These organizations are typically conically underfunded and this is money that comes to them at no cost to the participating businesses. It's a win, win, win for business, the organizations that support them, local non-profits and consumers.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
There are a couple of other companies in our space. The most notable and largest of these is Dharma. Dharma delivers 10% of profits to green causes and is working on making their model more flexible and transparent so merchants can select the recipient of their donation. Another example would be Hope Merchant Services which is local to our operations here in Oakland. They are largely responsible for driving the Oakland Grown loyalty card program that many merchants participate in. We are different in that we go a huge step further in the amount that we donate and we also create a system that is entirely flexible, agnostic and transparent. Loyalty cards have high processing fees for the merchants and lock consumers into using a particular card. Profit based donations are uncertain.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
We are on a mission to prove a point and that is...
It is possible to take existing models in our financial service industry and carve out a huge chunk of revenues to put back into growing the communities where the economic activity is originated. Our current financial services industry serves to extract wealth from the local level and deliver it to institutional wealth holders in the form of shareholders, executives and so on. We believe that making and proving this point and building our brand on the success we are having doing that will raise the bar across a multi-billion dollar industry and ultimately drive the return of billions of dollars back into local communities. Communities and the people who create them are no being appropriately represented by the financial institutions that serve them. We want to change that and provide an solution that is both profitable as an enterprise and responsible to each community and individual that we serve.
Qual foi o impacto da sua solução até hoje?
We are in the early stages of growth having launched the brand and opened our office in early September. Already however we are boarding accounts on behalf of our own local district association, Jack London District Association and will be a significant factor in their efforts to complete their CBD/BID application. This will have a meaningful impact on local business development, neighborhood improvement and employment in the area. More broadly we are working with organizations such as Missy, NCLR, Thrive, YEAY Foundation, Cycles of Change to develop outreach initiatives to their communities and support their fundraising efforts. I am largely responsible for driving these initiatives and we have been incredibly well received by the organizations that I have approached with the intention of implementing our early community and non-profit partnership programs. By way of example. We have boarded 3 merchants on behalf of the JLDA contributing approx $150 per month residual income.
Qual é o impacto previsto nos próximos 1 a 3 anos?
Over the next 3 years we will grow our operations exponentially through internal and external sales operations. We will also create teachable models for community and non-profit partnerships that allow organizations to take Ethix into their own community and benefit from our program. What we are working on now in Oakland, a city wide outreach that will funnel tens of thousands of dollars back into community development every month, can be replicated in cities and towns across the US with support from our team of community representatives and sales support staff. The benefits are local and will be defined by the organizations that utilize Ethix. We are a tool that can be used to further any mission in any town in any state across the US.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
As a start-up we are faced with the challenge of reaching break even point for revenues and expenses. We currently burn about $50k per month and have revenues that are dwarfed by that. The deal flow and sales cycle mean that we are a pipeline sales model with a 30-90 close on accounts. We are planning for this by pursuing multiple options for supplemental funding. Debt capital that is available from FTS, our acquiring partner, an SBA loan, conversations with early sage investors and social impact venture funds. Another challenge is the core assumption at the center of our business model. That the social impact component of our brand is a compelling motivator for merchants to switch providers. This is where we have taken a leap of faith.
leia mais↓↑ ocultar↑ ocultarQual é o benefício ou valor que você está criando para o seu negócio?
I bring 18 years of experience in financial services consulting, marketing and communications. Prior to founding Ethix, I ran a strategic communications firm focused on delivering brand and business strategy to purpose driven organizations. I am the main interface between Ethix and our local and broader community. I am operating on a skinny budget so I get creative and leverage relationships and my own skills at networking to build and grow our brand. Our brand and messaging is critical to our success. It looks great and is getting results.
Como você está alavancando recursos internos (fundos, tempo, conhecimento, etc) para apoiar esta iniciativa?
We have a small team of skilled entrepreneurs who are vested in the business and our angel investor is also a strategic partner with a strong interest in our success. I have access to deep skills in technology, this industry, operations, accounting and we have full administrative support. We are all on skinny start-up pay:) I have secured opportunities through networking such as the Oakland wide merchant initiative and a 45 second television commercial that we were selected for by SFDFS. My partners are awesome and committed and brilliant and we build of one another's energy and drive every day in the office. It's pretty great!
Detalhe sua resposta, explicando o plano de financiamento e apoio de longo prazo.
Current invested funds are budgeted until the end of December. At that point we become eligible for $50 in debt capital from FTS, our acquiring partner, for every $5k increase in our monthly revenues. We have completed an application for an SBA loan and are in conversations with a couple of early stage investors and venture funds. We are expecting to go cash flow positive in month 13 of plan and are building a contingency around that will carry us through another year of capital supported growth.
Conte-nos sobre suas parcerias dentro da empresa e externas que são fundamentais para o sucesso do seu projeto.
The partnerships at the core of the company, those that exist between the founding partners are at the heart of what we are doing and are central to our success. The values of shared commitment, social impact, interpersonal respect, health and well being and open communications are very much in evidence in our working relationships and in the environment that we create in the office. This is probably the aspect of the company of which I feel the most proud at this point.
Qual apoio interno você obteve para seu projeto? Que tipo de críticas você enfrentou?
I have the full support of my partners in this venture. They have consistently shown a great degree of confidence in my work. We are very collaborative so most outcomes involve a conversation but there is little in the way of push back. I have been able to clearly express my skills and my experience in the creation of the brand and messaging and in the development of the partnership programs but in the context of the ongoing input and support of my colleagues.
Criado em 10/16/2012 por analu@guimaraesferreira.com.br
GF specializes in: structuring long term debt financing operations; developing projects for companies to obtain corporate tax incentives; performing econ/financial viability analysis. I am undertaking an effort to leverage GF knowledge resources to making the firm active in fomenting the new impact investing industry.
leia mais ↓↑ ocultar↑ ocultarConte-nos sobre você/sua equipe
I work for Guimarães Ferreira (GF), an econ/financial advisory services firm based in Northeast Brazil which serves companies in all sectors, from medium local companies to multinationals such as Mexichem, Electrolux, Odebrecht and others.
GF specializes in: structuring long term debt financing for these companies with banks such as BNDES and Banco do Nordeste; developing projects for corporate tax incentives benefits; and performing econ/financ. viability analysis.
I have a MPA/Public Policy from the University of Georgia (US) and a Bachelor of Business Administration degree from Universidade de Pernambuco (Brazil). I have completed a Corporate Finance extension course at Harvard University. I have experience in both private and public banking, non-profit and for profit sectors.
O que faz de você um intraempreendedor? Quais são as habilidades, capacidades e características pessoais que fazem de você um intraempreendedor?
I strongly believe that a few feasible shifts in the way we do business today could have a huge positive impact on society. But I’m not naïve; I know that the incentives need to be properly aligned for the private sector to actively play a role in fighting the world’s toughest challenges. The standard needs to be evaluating businesses in a manner that takes in consideration impact. I really believe that it only makes sense for this to naturally become the regular way of doing business. I also believe that one cant fight economic forces, so we need to make these play in favor of development. My strategy has been to technically prepare myself in order to be heard and also to always exercise listening and dialoguing, in order to get the needed support for putting these views in practice.
País principal onde este projeto está criando impacto social
Países e regiões adicionais
Indústria
Finanças, Seguros, Setor Imobiliário
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Inicial (um piloto que começou recentemente)
A Necessidade: Qual problema social ou ambiental você está tentando resolver?
Any social or environmental problem may be associated with Impact Investing.
Traditional business valuation methods only consider the financial potential of a business. It disregards positive externalities that a firm may have on society. A firm in the medical sector, for example, that has developed a way of serving potentially millions of people through a low cost model, would be analyzed by its EBITDA, profitability, etc. The huge value this company has for breaking the code for serving underserved markets is ignored by investors.
The recent Impact Investing industry seeks to correct this.
Nevertheless, the industry still lacks the infrastructure needed to grow to fruition and to increase its reach.
A Solução: Qual é a sua solução? Seja específico!
Impact Investments seek to generate positive social impact as well as financial returns for investors. The key here is to measure and report not only financial returns on investments, but also the impact an investment has on society.
I propose to significantly accelerate the impact investing industry by bridging the gap between investors and local profitable businesses with a potential for social impact, and by demonstrating the huge impact that measuring social returns and offering this data to investors - alongside with traditional financial indicators - may have on the financial market.
GF could: 1. maintain a database of investment opportunities with a potential for social impact; 2. support in structuring financial operations; 3. monitor both financial and social returns; 4. help develop methods for “monetizing" social impact; 5. support removing barriers such as myths, communication gaps, etc, which could hinder the success of operations,
A Solução: Por que esta solução é inovadora para a sua empresa e indústria?
For the past 20 years GF has been a very traditional econ/financial consulting firm, specialized in structuring long term debt financing from traditional banks, developing projects for companies to obtain corporate tax incentives, and performing econ/financial viability analysis. Despite the huge potential, no firms in this field are leveraging their work in support of social development that goes beyond creating jobs and generating local income.
O Modelo: Nos mostre um exemplo específico de como sua solução faz a diferença; inclua suas principais atividades.
A specific example would be a hypothetical firm in the high school education sector- which has developed a model combining long distance and classroom education and therefore can be very cost effective while managing to deliver quality - that comes to GF today trying to obtain the financing needed for expanding their operations by opening a new unit in a low income community. As of today, we would only suggest to this company financing from the country’s public development banks. These banks usually require upfront collaterals of 100-130% of the amount of financing requested. The entrepreneur would learn about this collateral requirement and would give up on its expansion plan.
If GF is successful at developing its impact investments platform, it would be able to connect the entrepreneur to impact investors, which would usually have more flexible financing instruments in regards to collaterals and would take in consideration in their analysis of the investment opportunity the positive social impact of the education firm.
GF would support the company in tracking their financial and social evolution, seeking to analyze how the higher risk of lack of collateral is compensated by somehow monetizing and internalizing the projects positive externalities, and would demonstrate the case to the business and to the financial community.
We often see financially sound business models with a social potential that are unable to be funded only because they can’t meet all the conservative requirements of traditional investors and have no access (for various reasons) to impact investors.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Investment banks, international dev. banks, some foundations and funds are paying attention to and supporting the development of impact investing.
In theory, investors could directly find and deal with entrepreneurs. It is very clear to me, though, that local firms such as GF are essential pieces in accelerating the industry. FIs tend to have their decision making in most developed cities, while innovative business models tend to grow in less developed regions – e.g. in Brazil, Southeast vs. Northeast.
Companies contact GF daily to talk about their implementation/expansion plans, from small to multinationals. Also, we know all the specificities of locally available funding, government incentives, market.
Competition would be beneficial; it would mean that the industry grew to fruition.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
Being in direct contact with poverty in Northeast Brazil always made me anxious. During my undergrad studies, two facts really contributed for me to realize about this solution’s potential. The 1st was my dad gifting me the book The Fortune at the Bottom of the Pyramid, by CK Prahalad. The 2nd happened during an internship at Citibank here in Recife. I was sitting at my desk when got a call from a colleague- she had just been shot in her arm in a robbery attempt, 1 mile away from the bank. It was decisive; I needed to work for social development. First, I had to study more and get solid credentials. I was in ecstasy when I got a scholarship and accepted to a masters degree program at an US university. When I got the degree, ecstasy again for being offered a job at the IDB, in a unit that provides financing for companies focused on better serving low income markets. After 2 years, I decided it was time to come back home and work hard to influence local change through the private sector.
Qual foi o impacto da sua solução até hoje?
Financial nstitutions, including public development banks, continue to have an old fashioned approach to private sector impact. No doubt that just by expanding production capacity and creating jobs every company has a developmental impact. But this traditional view misses out great possibilities.
If we consider the 3 pillars of sustainability – economic, social and environmental – banks requirements for financing follow the logic: in regards to economic, the better the best, a careful analysis of the financial potential of the enterprise is carried out before any investment decision; in regards to social, investors only make sure that legal requirements such as minimum wage, safe conditions, no child labor, are met; and the same applies to the environmental pillar, the bank verifies that the company complies with the law and that it has the necessary licenses. In sum, if a business does more for the social or for the environment than required by law, this is not weighed in the process
Qual é o impacto previsto nos próximos 1 a 3 anos?
The potential impact goes far beyond GFs individual performance. Once the model is successfully implemented here, both scale and replication of the model will naturally happen. The demonstration effect will make its magic.
But the greatest potential for impact is the effect over traditional investors. Once the impact investing industry becomes mature, validated by statistics, the ultimate victory will be traditional investors also weighing in social externalities as part of their regular investment decision making process.
Imagine banks risk matrixes including social data as a component for determining a business risk level. And executives having no option but to really care about broader value proposals, not only about delivering highest profits to its investors in the short term.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
GF is used to business as usual and is doing well with the traditional business model. On the other hand, the impact investing concept seems far from growing to fruition and becoming a reliable revenue source for the firm. Also, people here are paid a % of the $ of the project they are working on, which makes it hard to get their efforts directed to an idea that has not proved itself yet.
I am overcoming these barriers by dialoguing and persuading about how being a local pioneer in the impact investing field would differentiate GF from its competitors. I am also demonstrating how impact investing is the future. Impact investments have been recognized as a new asset class with the potential over the next 10 years for invested capital of $400bn–$1 trillion.
leia mais↓↑ ocultar↑ ocultarQual é o benefício ou valor que você está criando para o seu negócio?
I am proposing a new revenue source for GF. We would be paid by clients for structuring these financial operations, just as it currently happens.
GF would also benefit from being a pioneer and being recognized as such.
It is also an investment, we would be preparing ourselves to serve a sector with a huge potential. I can only believe that in the near future most investors will require that investees track not only their financial return, but also their impact on society. It will become the regular way of doing business.
Como você está alavancando recursos internos (fundos, tempo, conhecimento, etc) para apoiar esta iniciativa?
To make this happen, we dont need additional physical space, nor employees exclusively assigned to it, we just need to invest some time and money in: 1. analyzing our current client database, searching for potential social impact; 2. engaging with new clients with a social drive; 3. training in social impact monitoring standards (for example, IRIS – Impact Reporting and Investment Standards); 4. participating systematically in conferences in order to being up-to-date with the sector evolution and being engaged with investors and other important actors in the field.
Although it means relevant investments, the potential benefit for GF is huge. Also, the investments required are trivial if compared to GF existing resources which could be leveraged to this new initiative at no cost.
Detalhe sua resposta, explicando o plano de financiamento e apoio de longo prazo.
GF has served well over 200 clients in Northeast Brazil in their implementation or expansion efforts, and could use this database and connections as a valuable asset in identifying models with a potential for social impact and connecting it to investors. It has also huge expertise in formal econ and financial analysis, preparing financial models, analyzing viability, etc, which is indispensable for impact investors as well.
Transforming traditional econ/financial firms into platforms for serving impact investors and companies with a potential for positive social impact is relatively simple to do. The hard part is already done.
Conte-nos sobre suas parcerias dentro da empresa e externas que são fundamentais para o sucesso do seu projeto.
I have the moral support of GF partners. I am also in contact with people from the IDB, Avina, Endeavor, Artemisia, etc. All of them are engaged in this emerging impact investing industry.
Qual apoio interno você obteve para seu projeto? Que tipo de críticas você enfrentou?
I have participated in a recent conference about impact investing in Sao Paulo, representing GF. I also wrote an article about it in the state’s biggest newspaper. The article had a great repercussion among our clients and the general community, and I was invited to write a second article. Hopefully, I will be able to write about being selected as a member of The League of Intrapreneurs!!
Push-back is, for example, not being able to have travel expenses paid by GF to partic
Criado em 10/4/2012 por Seiji Fujita
Banco Comunitário - microcrédito melhorando vidas.
Banco do Brasil - o maior incentivador do microcrédito no Brasil.
Banco Comunitário e Banco do Brasil - unindo o micro com o macro para o bem do Brasil.
Microcrédito comunitário - desenvolvendo a comunidade carente pelo empoderamento local.
leia mais ↓↑ ocultar↑ ocultarConte-nos sobre você/sua equipe
Sou brasileiro. Nasci em Guarulhos/São Paulo. Tenho 37 anos e um filho de 14 anos, o Henrique.
Vivo em Criciúma/Santa Catarina (Sul do Brasil) a 17 anos.
Sou formado em Direito pela UNESC.
Tenho dois MBA: Gestão Empresarial e Gestão em Desenvolvimento Regional Sustentável (DRS).
Trabalho no Banco do Brasil desde março de 2000.
Tenho 3 funções: escriturário (atendimento pessoa física e auxílio no auto-atendimento); operador DRS (responsável pelo acompanhamento do Plano DRS da agência Centenário); agente MPO (Microcrédito Produtivo Orientado).
Sou criativo desde a infância. Pacifico, com cara de sério, mas só a cara, sou bem humorado. Era muito tímido, agora não mais. Gosto de conversar, de política, de filmes, de namorar, conhecer pessoas legais, escrever e interagir.
O que faz de você um intraempreendedor? Quais são as habilidades, capacidades e características pessoais que fazem de você um intraempreendedor?
Sou inquieto com a mesmice e a falta de oportunidades para todos.
Sou bastante criativo. Gosto de ajudar as pessoas, conhecer seus problemas e dar sugestões.
Gosto de colaborar, criar, cocriar, somar e multiplicar ideias e projetos. Tenho habilidade na escrita e na oratória. Fico antenado nas novidades e também nas historias, nas origens dos fatos.
Penso rápido, com visão estratégica e holística, utilizando a lógica e o bem comum como guias.
Tenho vários gostos e interesses.
Persistente e dedicado naquilo em que acredito. Confiante, proativo e empreendedor.
Acredito que todo mundo nasce com um dom. Descobrir esse dom define parte de quem somos.
País principal onde este projeto está criando impacto social
Países e regiões adicionais
Indústria
Finanças, Seguros, Setor Imobiliário
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Ideia (você está para lançar)
A Necessidade: Qual problema social ou ambiental você está tentando resolver?
O Brasil se tornou a sexta economia do mundo, mas esse resultado econômico não se traduz em riqueza para a maioria da população, apresentando uma das piores distribuições de renda do mundo.
No relatório do FMI o Brasil alcança um PIB per capita de U$ 12.789 (dólares americanos) por ano, que no cambio atual seriam por volta de R$ 25.500,00 (reais). Sendo que o Brasil possui a quinta maior população do planeta.
Essa renda per capita não é a realidade da maioria do povo brasileiro que vive com menos de dois salários mínimos (R$ 1.244,00) por mês por família e não por pessoa.
Mais de 80% da população brasileira vive nos centros urbanos.
Analisando esses dados encontramos os seguintes problemas: pobreza, falta de crédito e falta de oportunidades nas cidades brasileiras.
A Solução: Qual é a sua solução? Seja específico!
Incubação de bancos comunitários.
A solução existe e pode ser implantada em todos os municípios onde o Banco do Brasil tem agências.
O Banco do Brasil e a Fundação Banco do Brasil possuem o conhecimento e a experiência necessários (Know-how) para implantarem a tecnologia social dos bancos comunitários em todo o Brasil.
Já existem exemplos de sucesso apoiados pelo Banco do Brasil:
Banco Palmas, Banco Paju e Banco Muiraquitã.
Esta solução responde aos problemas levantados: da pobreza, da falta de credito e da falta de oportunidades, proporcionando microcrédito, mobilidade social, fomento a economia local e solidária, empoderamento da comunidade e desenvolvimento de talentos locais.
A criação da moeda social valoriza o banco comunitário, valoriza a comunidade e seus moradores, criando um sentimento de pertencimento e colaboração.
O banco comunitário proporciona à comunidade carente atendida reais oportunidades de desenvolvimento econômico, social, ambiental e cultural.
A Solução: Por que esta solução é inovadora para a sua empresa e indústria?
É inovadora por que nenhum banco comercial privado ou público, jamais fez um investimento de peso em bancos comunitários em nível nacional.
Imagine unir a experiência de profissionais da indústria financeira/bancária e os talentos espalhados pelo Brasil numa cadeia de valor que nasce nas comunidades mais carentes. A repercussão positiva interna e externa será imensa e os resultados econômicos e sociais maiores ainda, possibilitando o desenvolvimento do Brasil.
O Modelo: Nos mostre um exemplo específico de como sua solução faz a diferença; inclua suas principais atividades.
O Banco Muiraqutã surgiu de um Projeto Comunitário que une: Cultura Digital, Metareciclagem, Reciclagem de Resíduos Sólidos e Economia Solidária. Está transformando para melhor a realidade das pessoas que vivem na grande Área do Santarenzinho e Maracanã no município de Santarém, Estado do Pará, norte do Brasil. Com a moeda, que pode ser adquirida a partir da coleta seletiva de resíduos sólidos, jovens destes bairros periféricos estão adquirindo produtos e serviços, que vão desde oficinas até computadores metareciclados.
A Moeda Social Muiraquitã é uma tecnologia social que foi desenvolvida pelo Coletivo Puraqué para potencializar e operacionalizar o Banco Muiraquitã.
O Consório Solidário Muiraquitã existe para popularizar o uso de notebooks para as camadas mais pobres da população de Santarém. Apoiado pelo lastro da moeda social muiraquitã, neste consórcio o consorciado paga R$ 50,00 ou 50 muiraquitãs por mês e ao final de 20 meses está quitado o bem, além disso todo mês é sorteado um notebook.
Principais atividades:
- Inclusão digital
- Educação ambiental e Coleta seletiva (redução do lixo nas ruas)
- Incentivo a cultura local (dança, música, teatro, artesanato)
- Moeda Social Muiraquitã
- Microcrédito para consumo e produção (desenvolvimento da economia local através do consumo de bens produzidos pela comunidade)
- Consórcio Muiraquitã (aquisição de notebooks pela comunidade carente)
- Promover a criação de negócios de jovens da comunidade (geração de oportunidades)
O BB criará uma estrutura de incubação de bancos comunitários por todo Brasil.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Pares/Concorrentes:
Banco Palmas, cooperativas de crédito, bancos comerciais públicos e privados, oscip/ong.
Diferencial de um banco comunitário:
- Gestão Participativa e Atendimento: local, personalizado e orientado, onde quem esta atendendo é um morador do bairro treinado. Os moradores/clientes participam das decisões do banco.
- Restrições: não serão utilizadas os cadastros restritivos (SERASA, SPC, CCF).
- Confiança e Agilidade: todos os processos são mais rápidos, porque são menores e mais próximos, todos se conhecem, todos são moradores do bairro.
- Geração de Renda: a moeda social gera trabalho e renda na comunidade.
Diferencial BB: estratégia DRS (Desenvolvimento Regional Sustentável).
Desafios dos concorrentes: possível lobby contra o microcrédito comunitário.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
Trabalho no Banco do Brasil a 12 anos.
Durante o curso de MBA em Gestão do Desenvolvimento Regional Sustentável conheci a história de Muhammad Yunus e seu Banco dos Pobres (Grameen Bank), fiquei impressionado com a simplicidade do processo e seus resultados.
Pesquisei a experiência do Banco Palmas e assisti um vídeo inspirador de João Joaquim de Melo Neto, coordenador do Banco Palmas.
Busquei mais informações, li o livro "Um Mundo Sem Pobreza" e participei de uma workshop do Grameen Creative Lab, em São Paulo/Brasil.
Através do Plano DRS da agência onde trabalho conheci os catadores da ACRICA (Associação Criciumense de Catadores), sua realidade, seus problemas e seus objetivos.
A partir deste momento batalhei para a inclusão do objetivo de criação de um banco comunitário no Plano DRS da minha agência. Foi difícil ser aprovado pelas instâncias superiores, conseguimos.
Estamos no inicio da implantação do Plano de Ação. Meu objetivo é ver esse sonho concretizado.
Qual foi o impacto da sua solução até hoje?
Com a implementação do Banco Comunitário, que desencadeou e fortaleceu diversas iniciativas de cultura digital e cidadania, obtivemos uma queda significativa na redução da quantidade de lixo nas ruas, com a conscientização gerada pelas discussões sobre reciclagem, meta-reciclagem e meio ambiente. Já foram recicladas cerca de 10 toneladas de lixo. Com a troca da moeda por resíduos sólidos, além da população cuidar do seu bairro mantendo-o sempre limpo, ela ganha benefícios com a comercialização da Muiraquitã. Com a circulação da moeda várias atividades de cultura digital puderam ser viabilizadas. Foram realizadas cinco palestras de coleta seletiva nos bairros onde a Muiraquitã é utilizada e 10 encontros de conhecimentos livres que promovem oficinas, debates e rodas de conversa sobre software livre, ética hacker e negócios inovadores em vários municípios da Amazônia. Nos cursos de informática básica, inclusão digital e metareciclagem, foram atendidas mais de 1.200 pessoas.
Qual é o impacto previsto nos próximos 1 a 3 anos?
Analisando o impacto atual gerado pelo Banco Muiraquitã prevemos os seguintes impactos nos próximos 3 anos:
- Diminuição progressiva do lixo espalhado pelas ruas.
- Aumento da consciência ambiental dos moradores da comunidade.
- Aumento da inclusão digital.
- Diminuição da desigualdade social e da pobreza, com aumento da renda.
- Desenvolvimento da cultura local.
- Desenvolvimento da economia local de consumo e produção.
- Desenvolvimento social, ambiental e cultural sustentável.
- Empoderamento da comunidade.
- Desenvolvimento de novos talentos e criação de oportunidades.
Todos esses impactos positivos podem ser replicados nas comunidades carentes de todos os municípios do Brasil.
Nossa meta é incubar 6 bancos comunitários até 2016. Atendendo no mínimo 12 mil pessoas.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
1- Falta de apoio interno.
A conscientização dos benefícios econômicos e sociais da implantação dos bancos comunitários é trabalho difícil e lento, demanda tempo, energia e estratégia.
A diretoria do banco pode ser convencida desses benefícios através de contatos diretos e apresentação de estudos e resultados.
Demonstrando sua viabilidade econômica e sustentabilidade ambiental, sendo socialmente justa e culturalmente diversificada.
2- Desconhecimento da comunidade.
A comunidade escolhida para receber deve conhecer o projeto e participar ativamente de sua criação, organização e gestão.
Palestras, seminário, debates e treinamentos serão realizados com as lideranças comunitárias e abertos a toda a comunidade.
Buscando apoio e construindo parcerias com entidades e empresas locais.
leia mais↓↑ ocultar↑ ocultarQual é o benefício ou valor que você está criando para o seu negócio?
O banco comunitário tem condições reais de diminuição da pobreza nas comunidades carentes dos municípios brasileiros, investindo no consumo consciente e produção local, colaborando com o desenvolvimento dos jovens e apoiando novos negócios.
O Banco do Brasil pode ser o impulsionador dos bancos comunitários, possibilitando desenvolvimento econômico e social em todas as cidades do Brasil.
Milhões de brasileiros podem ser beneficiados, gerando riqueza para todos, criando uma sinergia que terá reflexo micro e macroeconômicos.
Como você está alavancando recursos internos (fundos, tempo, conhecimento, etc) para apoiar esta iniciativa?
Através da estratégia DRS (Desenvolvimento Regional Sustentável) todas as agências do Banco do Brasil devem atuar com parceiros em uma cadeia de valor no município onde estão instaladas.
É possível envolver os gerentes e o operador DRS de cada agência, apoiados pela gerência DRS estadual e diretoria DRS em Brasília, para focar na cadeia de valor do banco comunitário.
Utilizando a experiência e conhecimento do Banco de Tecnologias Sociais da Fundação Banco do Brasil e a estratégia DRS teremos as ferramentas para a implementação dos bancos comunitários.
Consegui aprovar no plano DRS da minha agência, onde sou operador DRS, a inclusão de uma ação para fazer o estudo de viabilidade de criação de uma banco comunitário na comunidade onde atuamos no DRS da agência Centenário.
Detalhe sua resposta, explicando o plano de financiamento e apoio de longo prazo.
Cada agência será responsável pela implementação de um banco comunitário, seguindo a metodologia DRS:
Etapa Sensibilização e Capacitação - interna de cada agência;
Etapa Escolha da Comunidade atendida - com apoio da prefeitura, universidades, entidades e empresas parceiras será escolhida a comunidade carente a ser atendida;
Etapa Formação da Equipe Gestora;
Etapa Diagnóstico;
Etapa Plano de Negócios;
Etapa de Análises e Pareceres;
Etapa de Implementação/Incubação;
Etapa de Monitoramento;
Financiamento/Investimento:
Principais - Banco do Brasil e BNDES.
Outros - parceiros locais, parceiros nacionais e internacionais.
O banco comunitário será um negócio social, seguindo a metodologia criada por Muhammad Yunus, usando como modelo o Banco Grameen.
Conte-nos sobre suas parcerias dentro da empresa e externas que são fundamentais para o sucesso do seu projeto.
Parceria interna:
Gerentes e colegas comprometidos com o desenvolvimento do Brasil e erradicação da pobreza.
Apoio/Logística:
Banco Palmas, Instituto Palmas, Fundação Banco do Brasil, Sebrae.
BNDES - financiamento e investimento social.
Cooperativas de crédito, oscip/ong de crédito, empresas, entidades e universidades - parceiros locais.
Parcerias internacionais: Ashoka, SAP, entre outras.
Qual apoio interno você obteve para seu projeto? Que tipo de críticas você enfrentou?
Nossa primeira maior dificuldade foi aprovar a inclusão do objetivo de fazer o estudo de viabilidade de banco comunitário em nosso Plano de Negócios DRS da agência.
Nosso próximo desafio será criar uma sinergia com a comunidade a ser atendida, mostrando que o banco comunitário será uma grande ferramenta de desenvolvimento econômico, social e cultural.
Depois de vencida esta etapa prosseguiremos o processo de planejamento e incubação do Banco Comunitário Tereza Cristina.
Criado em 10/3/2012 por Oscar Botello
Rêv is a company of global payment solutions with a innovative and easy way to use prepaid and mobile phone payment’s systems
Organização: Rev Mexico
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
País da organização
México, DIF, Ciudad de Mexico
Países onde este projeto vem gerando impacto social
México, OAX, Santiago Nuyoo
Há quanto tempo sua organização está em operação?
Mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
- Clinton Global Initiative Partner
- Most innovative company in finance, Fast Company March 2011.
- Creator and lead partner, The Empowement Lab at Harvard University.
-Best in Class Prodcuts 2011, Paybefore.
- America's most promising social entreprenuer, Businesweek 2010.
- Co-chair, World Economic Forum Global Agenda Council on Financial Empowerment, World Economic Forum
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Expandindo (o próximo passo é aumentar o impacto em escala local ou mesmo global)
Há quanto tempo está em funcionamento?
Implementado há menos de um ano
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso, Custo, Qualidade, Equidade.
A necessidade: Qual é o problema que você está tentando resolver?
The main goal of MIFON is to end the lack of access to financial services for people living in rural areas in Mexico suffer. The pilot program is operating in Santiago Nuyooo, Oxaca and surroundings. This project has potential to operate in 30,000 similar communities only in Mexico and later be replicated at a global level.
A Solução: Qual é a sua solução? Seja específico!
Achieve financial inclusion to Santiago Nuyoo’s inhabitants and surroundings communities, through access to basic financial services. With a deposit account connected to a mobile phone, they can make transactions without using cash or travelling to other communities. The available operations include: money transfer, balance inquiry and services payment through a simple mobile phone text message.
Different from other applications, our project is based on a global access approach, a bank account for the whole population.
This solution has different components: Telecom with Huawei made the infrastructure investment. Banorte cooperates with the banking and financial system. REV was responsible to join these social actors and to provide the technology and knowledge needed to achieve the result.
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
Before Mi Fon, people living in Santiago Nuyoo that needed to travel to Tlaxiaco, the closest community, have to wait long hours to get a shared taxi. Since Mi Fon, they can pay this service in advance through a mobile phone and make a reservation for the transport.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
The primary competitor is the frequent use of cash nowadays. Different to other market’s actors, Mi Fon is a simple proposal that doesn’t need a Smartphone to install a data application. Mi Fon understands the needs and specific characteristics of Mexican population, looking for an appropriate solution.
The main challenge for Mi Fon is attracting beneficiaries, because it needs a paradigm change regarding money use and its related benefits.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
There are currently many programs around the world, offering services based on mobile phones, looking to promote financial inclusion. Our experience tells us that these programs have to reach a critical mass and eventually open a bank account to succeed. Our innovation is to develop and manage alliances to reduce the spread, education and customer services’ costs. This way is the only one that allows to launch a product with costs affordable to excluded populations.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
Mi Fon’s primary goal is to achieve financial inclusion to the non-banking sector, through a tool that allows them to operate from a mobile phone.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Barreiras de acessibilidade física ou outros, que impedem as comunidades de usarem os serviços financeiros, A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas, Incentivos a prestadores de serviços financeiros para dinamizar o mercado.
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
Santiago Nuyoo, Oxaba on a first stage and similar communities of others states on consecutive stages. This project has the potential to operate everywhere in Mexico, impacting 30,000 communities.
A sua solução funcionaria em outras regiões? Se sim, onde?
Yes, Mi Fon is designed to operate across Mexico and the rest of the world. Today it is on its development stage for national application.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
Achieve access to financial and micro-financial services for excluded population. Become the change agent (M-PESA Latinoamerica) of financial inclusion, in Mexico and the rest of the world.
To a national level, we impact 30 millions Mexican people giving them access to financial services for the first time. In Latin America, we impact 100 millions more.
With alliances, Rev Worldwide has already impacted 12 more countries, such as Kosovo, Rumania, Vietnam and India.
O que tiveram que mudar para fazer isso acontecer?
Beneficiaries should change their current paradigm in terms of money use and its related benefits.
Hence, we need:
1) Expand distribution points.
2) Continue working with allies, including retailers, municipal and federal governmental institutions, which will allow us to operate better with payment systems.
Qual foi o impacto da sua solução até hoje?
100% of adult population of Santiago NUyoo has Mi Fon’s financial services.
40% reduction of cash in the community.
Those numbers were reached in less than 180 days, after launching the program to the market.
We promoted new markets development and changed some business. One example: a roast chicken business seller has to travel several to different cities to receive his client payments. Now, he receives orders and payments via mobile phone and has more time to deliver his products in a more efficient way. He changed his business’ name to “Pollo-Movil”. Mi Fon not only gave him technologic access and banking services, but also allowed him to grow as a entrepreneur and become a change agent.
Qual é a sua expectativa de impacto para os próximos 5 anos?
Replicate successfully Mi Fon’s program in at least 30,000 Mexican rural communities and then in five more countries in Latin America and Asia.
Continue working with partners such as Banorte, Telecom, Huawei and Mastercard, among others.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
1. Reach a critical mass of sales points,
Through stores and government partners.
2. Changes in banking regulations.
Continuing the dialogue with authorities, CNBV and Banco de Mexico.
3. Education and spread’s cost
Alliances with banks, Mastercard, CGAO and other institutions.
4. Monopolist activities of mobile phones’ providers.
Operate under an open system, available for everyone.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
In every community where it operates, have 60% of adult population using Mi Fon services.
Atividade 2
Implementación de mejoras y actualizaciones a la solución a través de incorporar nuevos servicios
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
Atividade 1
Difusión y capacitación en medios masivos.
Atividade 2
Expansión de las zonas de implementación de la solución a nivel nacional.
Atividade 3
Incorporación de elementos complementarios tales como aceptación de pagos electronicos en comercios de las comunidades.
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
Mi Fon’s Project has very important partners to it development such as: Telecom, responsible for Santiago Nuyoo’s communications through its allied Huawei, which provides the satellite required, the data base of the beneficiaries, the product’s distribution and encourages the use of Mi Fon. Other important partners are Banorte with it managing support and finally Mastercard, promoting financial inclusion of developing countries.
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
In short-term, we plan to replicate it in three communities close to Santiago Nuyoo, using the same system of the firs stage.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
Rêv has a platform with capacity to operate financial programs and services, in both integral and modular way. This provides high flexibility and added value for its partners and its users. The Rêv’s platform also accelerates the application of programs and projects into the market, reducing development’s costs.
The Rêv’s technological platform has the advantage of being designed to fulfill all the operative and regulatory requests of Mexican financial system.
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
Criado em 10/1/2012 por Rurtecho
Solidarity Micro-finance Fond for women deprived of liberty
Organização: Asociación Mujeres en Acción (ama)
mais ↓↑ ocultar↑ ocultarNome da Organização
Asociación Mujeres en Acción (ama)
Página da organização na internet
Países onde este projeto vem gerando impacto social
Sua organização é
OSCIP/ONG
Há quanto tempo sua organização está em operação?
Mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
- Diploma de Reconocimiento del Centro de Promoción de la Mujer “Micaela Bastidas”, por contribuir a la promoción de los derechos de la mujer y de las personas con discapacidad.
- Diploma de Honor del Club Soroptimista Internacional - Filial Trujillo, por contribuir a la promoción de la mujer y a la equidad de género en la Provincia de Trujillo.
- Reconocimiento de la Municipalidad Provincial de Trujillo, por la labor realizada en forma consecutiva a favor del bienestar de la población femenina y de otros grupos poblacionales de las diversas provincias del Departamento La Libertad, a través del establecimiento de relaciones sociales equitativas, mejoramiento de las condiciones de vida y fomento de la micro y pequeña empresa.
- Reconocimiento con Medalla de Oro y felicitación del Gobierno Regional La Libertad, por el aporte al desarrollo socio-económico de las mujeres de la Región La Libertad.
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Crescimento (seu piloto está em andamento e começa a se expandir)
Há quanto tempo está em funcionamento?
Em execução entre 1 e 5 anos
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso, Equidade.
A necessidade: Qual é o problema que você está tentando resolver?
The problem of basic needs satisfaction has always existed in jails. A way that women in prison have to deal with it is to generate incomes through productive work. This activity has a very important role in human development for their re-socialization.
However, to get employment for people in prison and better human conditions, requires institutions’ solidarity as AMAS’s, due to their limited access to working capital and being excluded from the financial system.
A Solução: Qual é a sua solução? Seja específico!
Facilitate credit access to women deprived of their liberty, in order to promote and defend their human rights, particularly the right to work, which can dignify them and contribute to their re-socialization.
Develop productive activities will also allow them to pay their basic needs and give economic support to the families out of prison.
In addition, working promotion of women in prison shows their longing to progress, despite the adverse reality they live. Their longing for better living conditions and a real opportunity for the future out a prison shows that a productive activity can be done. It is also a good example for other prisoners.
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
At the beginning of the program, Rocio B.G. who works as a knitter, has a working capital of S/. 140.00 (US$ 53.9), but she hasn’t earned enough to maintain her mother and children, her personal expenses and pay for her lawyer. That’s why she had to ask for loans with, some times, 30% of monthly interests. That alternative was the only one for other prisoners too.
Rocio was one of the first beneficiaries to a credit for S/. 300.00 (US$ 115.38). Then, she received three more credits for S/. 500.00 (US$ 192.31), S/. 1000.00 (US$ 384.62), and finally S/. 1500.00 (US$ 576.92). The loan she currently manages is for S/. 2000.00 (US$ 769.23). All of them were punctually paid, with low interests to cover minimum operating expenses.
Due to the high quality of her product, she expanded her market, even exporting some of them and asking for partners help to finish the orders.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
As far as we know, there are no similar experiences in this country.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
Before starting this initiative, AMA has offered educational programs, integrating activities and healthy recreation for women in Trujillo’s Penitentiary Institution. Through these activities, we were able to identify the productive potential some women had and also their needs and the barriers they met.
Looking for a solution to this problem, we created an alliance with the Direction and the Working Area of the Penitentiary and also with the Pastoral Department of Trujillo’s Archbishopric, in order to support the program operation.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
Encourage social inclusion through productive work of women in prison, who access to credits for developing their business and improving their quality of life.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Barreiras de acessibilidade física ou outros, que impedem as comunidades de usarem os serviços financeiros, A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas.
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
We know that work is necessary and dignifies people. This happens also in prison and it is even more significant for people in jail, because it gives them the opportunity to be prepared for a productively inclusion in society.
Designed by taking into account their financial needs, this initiative offers them affordable credits, along with training courses of personal development and corporate management.
A sua solução funcionaria em outras regiões? Se sim, onde?
We consider that this experience can be successfully replicated, benefiting more women in other national and foreign prisons.
We expect to expand the program to men in other Penitentiary Centers Trujillo’s city, where there are also economic initiatives to generate income, but overcrowd and poor conditions make it more difficult to perform.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
In ten years we expect to:
- Increase the opportunities to develop productive and/or corporate skills of the beneficiaries of this program and other institutional initiatives.
- Make people in prison think and use their time correctly, diminishing the risk of improper behaviors, bad for their social re-adaptation and re-inclusion.
- Encourage their business sustainability to guarantee their economic autonomy and family’s support, during their time in prison and after they recover their freedom.
- Promote “productive working culture” as prisoners’ daily practice creating strategic alliances with other institutions, raising awareness of their social marginalized situation.
O que tiveram que mudar para fazer isso acontecer?
- More economic resources to increase the number of beneficiaries
- Strengthen the alliances with institutions supporting the program and include others, interested in prison population’s re-socialization.
- Develop technical-productive training and management programs, in order to improve the workforce, business development and sustained growth of current business.
- Promote human development of prisoners with programs that improve their self-esteem, social relationships, values and social coexistence rules.
- Society awareness rise by trading networks of prisoners’ products and services.
Qual foi o impacto da sua solução até hoje?
- 47 affordable credits given to people excluded from the financial system and society.
- 17 benefited women, managing small business despite adverse conditions.
- Due to dignified productive activities, we have strengthened prisoners’ self-esteem and confidence, helping them to preserve the activity they will be able to perform when they get out of prison.
- Better living conditions and social image of women in prisons, improving their family support and access to legal consulting.
Qual é a sua expectativa de impacto para os próximos 5 anos?
- Expand the program to men penitentiary centers.
- Develop managing training and technical-productive programs.
- Achieve long-term sustainability and productivity of current business.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
- Limited economic resources to assist men asking to be included in the program.
- Limited supplies needed for business. No appropriate places for operating. No access to technology that would improve production.
- Loss originated by market rules.
- Deterioration of beneficiaries’ mental and physical health, hindering their work and income generation.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Achieve 25% more given credits and 5 more new beneficiaries of the program.
Atividade 1
Visitar negocios de las beneficiarias para evaluar necesidades de financiamiento.
Atividade 2
Identificar clientes potenciales para acceder a los beneficios del programa.
Atividade 3
Realizar seguimiento del destino de los créditos otorgados.
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
Achieve 50% more given credits and 10 more new beneficiaries of the program.
Atividade 1
Asesorar la gestión de los negocios para asegurar su crecimiento y sostenibilidad.
Atividade 2
Difundir las experiencias exitosas en toda la población penal y en la comunidad.
Atividade 3
Promover los beneficios de pago puntual para mantener vigencia en el acceso a créditos.
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
- Trujillo’s Penitentiary Institution for Women, institution under the authority of National Penitentiary Institution (INPE) and the Ministry of Justice. It is responsible for promoting the integral development of people in jail, in order to support their re-socialization and society inclusion.
- Pastoral Department of Trujillo’s Archbishopric, promoting solidarity to people in prison, productive work to income generation and spiritual strengthening to tolerate life in jail.
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
For more than 10 years, AMA is developing a micro-finance program for micro-entrepreneurs, focusing in women with commercial services activities in rural and sub urban areas. This program has seven agencies located in Trujillo, Huamachuco, Otuzco, Santiago de Chuco, Virú, Paiján and Pacasmayo, La Libertad- Perú and facilitates the access to formal credit of excluded women.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
We have technical resources that allow us to operate and control the innovative pilot.
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
We need more investment to operate this Social Responsibility program, emphasizing people in prison. We also need to develop a marketing campaign to widespread the program’s benefits.
Criado em 10/1/2012 por gonzalezmacin
We offer micro-business services to allow our clients access to integral financial services: payments, savings, mobile banking, etc.
Organização: Servicios Caseteros S.A.P.I. de C.V.
mais ↓↑ ocultar↑ ocultarNome da Organização
Servicios Caseteros S.A.P.I. de C.V.
Página da organização na internet
Países onde este projeto vem gerando impacto social
Há quanto tempo sua organização está em operação?
Mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
El 25 de octubre de 2011 recibimos una puntuación de 155.4 puntos (de 200 disponibles) en el reporte conducido por el Global Impact Investing Rating System (GIIRS) en el año en cuestión.
El reporte GIIRS es un sistema transparente y exhaustivo que mide el impacto social y ambiental de empresas y fondos. Busca motivar la inversión en empresas de alto impacto social/ambiental al proveer una herramienta para identificar a estas compañías.
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Crescimento (seu piloto está em andamento e começa a se expandir)
Há quanto tempo está em funcionamento?
Implementado há menos de um ano
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso, Qualidade.
A necessidade: Qual é o problema que você está tentando resolver?
Communities of socio-economic D and E segments don’t have enough options to access banking and financial services such as: cash withdraw, money transfer, payment services, etc. They only have limited options very far from their home, so they have to waste a lot of money and time on transport. Those conditions keep them away of banking inclusion.
On the other hand, stronger and big malls, offering the same services, threaten micro-entrepreneurs of small shops, drugstores, etc.
A Solução: Qual é a sua solução? Seja específico!
The Barared business model is based on Services Booth in micro-business located where our final users live.
In Barared Booths, users have the opportunity of operate different telecommunication services such as: local and long-distance call phones, mobile call phones, put credit on their mobile phones, send text messages and plenty of financial operations like services payment, bank account deposit, money withdraw and money transfers.
Barared Booth offers a significantly competitive advantage to micro-entrepreneurs, increasing their users’ loyalty and standing out of the rest of competitors such as supermarkets and big malls.
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
Thanks to Barared’s model, our users have the opportunity to get financial services. For example, today our users have to travel a lot to pay services, such as water, electricity, cable TV, etc. That represents a lot of time and money for them, all of which can be avoided with the Barared Booths located in their own communities.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Today there are no competitors offering a similar solution to people we are currently targeting.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
As a businessman, I wanted to create a business model that helps social segments of the bottom of the pyramid in order to break the poverty’s circle. I realized that there are more than 350,000 micro-business in Mexico (small shops) employing more that 15 million people, but operating in an informal way. That’s when I started to think in reaching those sales point with telecommunications services, which may offer a competitive advantage over their more powerful competitors, such as supermarket chains and groceries. Recently I thought of improving these services by adding financial services to support underserved communities.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
Offer financial solutions to underserved communities in order to include them in the financial system. Throughout these solutions, we expect to create a banking culture in these communities, allowing our customers improve their savings and manage their economic resources.
On the other hand, we offer micro-business owners a difference that allows them increase the clients’ loyalty and survive bigger and more aggressive competitors.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas, Incentivos a prestadores de serviços financeiros para dinamizar o mercado, Outros (especifique abaixo).
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Investment, we go to communities where formal banks and the financial sector won’t invest
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
Our solution focused on D and E segment’s urban communities, without financial services close to their home.
A sua solução funcionaria em outras regiões? Se sim, onde?
Our solution could work in every country with urban communities, which need affordable financial services.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
We’ll increase the percentage of underserved people savings with less than 30% interest. People without savings will open bank accounts and people with previous savings will increase them. There will be fewer assaults in the street because people won’t have to carry cash with them. People will have better opportunities to access financial support, because they’ll have a credit history on their own. In summary, in ten years these communities will have more saving, more means to take care of their money and better access to opportunities.
O que tiveram que mudar para fazer isso acontecer?
The first thing that should be changed is the local tenant, who would be offering access to financial services. It would be the bank at the corner of the street. For our vision to be successful, we have to be able to make a cultural change and also change consumption’s habits in two different ways. First, to generate savings culture, show the benefits of saving some of their money and keep it to the future and have that money in a financial institution. Second, since our services are mainly interactive systems, we have to overcome the barriers of using technology that might cause “fear” in our clients.
Qual foi o impacto da sua solução até hoje?
To date we have 18 Barared sites operating in Chimalhuacán, Este of Mexico City, where there are more than 800,000 people living in underserved conditions and with almost no access to telecommunications and basic services. Our products are close to get certification with Banamex and the National Banking Commition. Despite that, people are already asking for our services and the owners of the small shops are excited about include new opportunities in their business to build a better future for their families.
Qual é a sua expectativa de impacto para os próximos 5 anos?
We will be covering the main geographical area of Mexico Valley and its surroundings. This communities’ population will access to primary banking services, be properly assisted, and have financial tools appropriate for its needs and progress like the rest of the economical active population. Besides, there will be better basic services such as high quality health care through Telemedicine, long distance education, and purchase of tickets, insurance and credits. There will be also more training offer to operators.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
People in socio economic D and E segments have always believed that banking services are not for them. Barared will come to their communities to gradually gain their trust and achieve their financial inclusion. The most important three elements are: the shop’s owner, being a well known person to the community; second, we’ll be arriving with a reliable bank such as Banamex; and third, our people, living at the same communities that provide our services, have to gain confidence. That’s why, in Barared, we are the bank for the other Mexico.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Achieve having 400 services places in Mexico Valley and, at least, make 4 financial transactions in each.
Atividade 1
Adquisición de 300 sitios adicionales de Corresponsalías Bancarias.
Atividade 2
Ejecución publicitaria para difundir nuestros servicios en las zonas de presencia
Atividade 3
Capacitación y desarrollo de nuestro locatario, quien será la principal fuente de bancarización de sus clientes finales
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
Achieve having 1,750 sales premises in 30 Mexico’s municipalities and 700 monthly transactions per place.
Atividade 1
Adquisición de 1250 sitios adicionales
Atividade 2
Liberación de productos financieros que estimulen el hábito del ahorro en nuestra audiencia.
Atividade 3
Tener una operación estable, confiable y madura
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
The Project is supported by an Alliance network, where everyone has an important participation: the technical development team, the telecommunication network’s platforms, managers of the supporting platforms, telephony and internet providers, associated banks, financial institutions, media, creative teams, hardware providers, platforms of payment services and educational institutions, among others.
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
The project focuses first on urban and sub-urban areas of Mexico FD and Mexico State, but we plan to explore rural areas in the second semester of 2012. We have identified places that clearly need our services. We’ll be starting the pilot in rural zones in the next 3 months.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
An operative system based on iOS, exclusive and developed specially for this initiative and operating in Site Central and Data Center of Telmex ,with back-ups and connected to Banking and Services platforms. Each part of the system is monitored and controlled. Barared has a NOC (Network Operation Center), that operates 7X24 and a Control and support Center. All of them have their own operating process, services agreements, internal escalation matrix and providers’, being supported by highly qualified people in engineering and systems teams.
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
We need investment resources to expand our operations. We need to attract talented people that help us to operate and keep on growing. We need support to have more media diffusion, in order to promote our services and educate our clients.
This project also has a Changeshop where you can read more about its latest progress.
Ir ao Changeshop: kubo.financiero.
Criado em 09/28/2012 por vicentefenoll
We are a platform that stimulates investments for driving development; a connection between development projects and investors funding them.
Organização: kubo.financiero
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
Países onde este projeto vem gerando impacto social
Há quanto tempo sua organização está em operação?
Menos de um ano
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Inicial (um piloto que começou recentemente)
Há quanto tempo está em funcionamento?
Implementado há menos de um ano
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Custo, Transparência, Qualidade.
A necessidade: Qual é o problema que você está tentando resolver?
In general, micro-enterprises have access to excessive rates, between 80% and 150%. Savers receive for their savings hardly 3%. All due to high operating costs, credit’s reservations and an inefficient oligopoly market
A Solução: Qual é a sua solução? Seja específico!
kubo.financiero is a web platform that significantly reduces operating costs and credits rates and gets better profits for savers.
Trough the platform, the borrower enters the online or mobile submission. Then, that submission gets a qualification and an assigned interest rate, according to its risk basis. Savers enter the web site and select which project will finance. A credit with multiple investors, an investor with multiple projects. This way, we achieve financial inclusion within the market in a supply and demand system.
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
Ten years ago, Marias has small sewing business. Today she has 3 micro-credits that come to a total of 30,000 pesos and she will pay an annual rate of 85%. She entered kubo.financiero asking for 30,000 pesos. kubo applied risk models in a credit bureau basis, submitted her profile, history and authorized her a loan at an 35% annual rate.
Maria’s project is published on the web and Juan, as a borrower, studies Maria’s history, her challenges, financial needs and decides to support her with 250 pesos of investment, getting an interest rate of 20%.
Other 120 people, as Juan, support Maria’s project and she gets her credit in more affordable conditions, saving 10,000 pesos in interests. Juan gets better interests and also knows that his money supports Maria’s project.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Micro-finance, informal moneylender. Our main difference are based on three elements: high use of technology to reduce operating costs and disappointment credit portfolios; clear information to savers’ decisions as a market innovation; a link between people with credits and savers.
Our main challenge is an innovative offer with significant low credit rates and better savings.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
I was the founder of one of the biggest micro-finance enterprises in the country. We always had the challenge of reducing interests rates to borrowers, but we never made it possible. In 2011 I attended to an Internet technologies event where I learned that today, technology, social networks and market development allows the market to create a new, disruptive way to operate. That is, let savers and borrowers manage their financial operation, let them select projects and support them through a web platform that opens the information, in a reliable and easy way.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
We want to offer a new alternative to micro-finance, where people can directly exchange as borrowers and savers. Through the web platform, borrowers create their project with a particular method and then are evaluated by their profile risk. The approved ones are published in the platform, so that savers can analyses them and decide if they’ll invest in them. That’s where we are innovating: people decide which project will support, not the institution as in the traditional way. We take the best of Internet social networks, the best of banking activities and get together in this project.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas, Outros (especifique abaixo).
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Create credit markets connecting people at a personal way. Significant prices’ improvement
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
Our platform will allow communities to get more affordable services with reliable information and a regulated and secure process.
A sua solução funcionaria em outras regiões? Se sim, onde?
Yes, this model is created to operate in other countries, especially in Latin America ones. We could also operate in US, offering financial services to Hispanic communities for their own native communities’ projects.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
We think it will change the way people access to financial services. Clients will use their personal computers or mobile phones not only to pay their bills, but to access to credit services and information about savings. This technology will be available all week long, 24 hours a day, to receive market information such as prices, offers and online training.
O que tiveram que mudar para fazer isso acontecer?
More penetration of Internet and mobiles’ services. Costs reduction. More precise and easy to use information about credit risks.
Qual foi o impacto da sua solução até hoje?
The peer-to-peer lending model, started in England and US, has financed with more than $ 1 billion in less than 6 years operating. This model isn’t operating in Mexico yet; we’ll be the first organization promoting it.
Qual é a sua expectativa de impacto para os próximos 5 anos?
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
Regulatory and cultural barriers.
Regulatory: the beginning of financial transactions requires both saver and borrower’s signatures; that increase their costs. The electronic signature hasn’t been developed yet, but it would be a key regulatory law to validate the financial activities.
Cultural: we need to help clients to trust Internet services, without having a consultant. We already have training workshops uploaded in the web site and we’ll offer phone assistance.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Begin to operate, give the first credits, receive payments and renew the first transactions. 300 clients.
Atividade 1
Complete the technologic development
Atividade 2
Get a regulated operation license provided by the Comision Nacional Bancaria y de Valores
Atividade 3
Create alliances for development projects.
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
2000 clients, more than 20 million pesos in credits.
Atividade 1
Encourage Internet services
Atividade 3
Processes’ strengthening with pilot test
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
We have three types of alliances:
ONGs, associations or companies working with micro-enterprises. They have very good payers clients at high credit rates.
Social entrepreneurs with Green impact
Companies specialized in technologies, credit information management and process’ design.
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
We’ve developed our own high technology systems that allows to request a credit and been selected for dozens of people. We also have made alliances with suppliers with long experience in the banking and micro-finance field. Every developed process has been designed keeping the established regulation of financial authorities (CNBV).
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
Human Resources: we’ve been working, for more than18 years, with social impact executives.
Networks and Collaboration, alliances of high impact in micro-enterprises.
Innovate, design and create operating process of high impact in financial services for low-income population.
Criado em 09/28/2012 por Inigo Rumayor Belausteguigoitia
Regalii revolutionized remittance transfers by making them collaboratively free for Latin people and their families in USA
Organização: Regalii
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
País da organização
Estados Unidos , DE, Lewes, Sussex County
Países onde este projeto vem gerando impacto social
Republica Dominicana, SD, Santo Domingo
Há quanto tempo sua organização está em operação?
Menos de um ano
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
• Echoing Green: Echoing Green’s world-renowned two-year Fellowship program provides more than $2 million in seed funding to a diverse group of the world’s most promising social entrepreneurs. From thousands of applicants, typically fewer than one percent are ultimately selected as Echoing Green Fellows. Those selected receive up to $90,000 in funding to launch new organizations; access to Echoing Green’s robust network; leadership development opportunities; and one-to-one support and counseling. Our newly launched Alumni Program builds community among our 500+ Fellows dating back to 1987 in order to foster peer learning, shared access to useful resources, and a lifetime commitment to positive social change.
• Start-up Chile: Start-Up Chile is a program created by the Chilean Government, executed by Corfo via InnovaChile, that seeks to attract early stage, high-potential entrepreneurs to bootstrap their startups in Chile, using it as a platform to go global. The end goal of the accelerator program is to convert Chile into the definitive innovation and entrepreneurial hub of Latin America; this is a mission shared by the Government of Chile and is a primary focus of the Ministry of Economy.
• GoodCompany Ventures: GoodCompany Ventures is an intensive three-month program which addresses strategic challenges faced by entrepreneurs. Together, the class builds a robust commercial strategy to implement and scale each entrepreneur's vision for social innovation.This program is a pioneer in the social sector, repurposing a proven venture strategy in this emerging sector. Unlike conventional venture incubators, GoodCompany doesn’t extract an equity commitment from entrepreneurs, but expects a commitment of time and creativity toward building a community of social entrepreneurship. Throughout then ten-week program, entrepreneurs develop the strategic focus to direct their companies into the future. The program will culminate in a graduation event where companies will pitch their ideas to investors.
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Crescimento (seu piloto está em andamento e começa a se expandir)
Há quanto tempo está em funcionamento?
Implementado há menos de um ano
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso, Custo.
A necessidade: Qual é o problema que você está tentando resolver?
Remittance is the biggest foreign capital of Latin America families. According to our studies, the main problems to users are high commissions and difficult delivery process. According to World Bank, the average transfer’s commission was 10% in 2009. That is why G8 has started “5 by 5” project to reduce it to 5%. Nowadays, the entire process expensive, slow and non social.
A Solução: Qual é a sua solução? Seja específico!
Regalii has created an innovative way of remittance transfers among Latin people in the US and their families living in Latin America, making them collaborative and for free. Instead of sending money, Regalii allows them to send group gift cards (via SMS) for stores and supermarkets in Latin America. The recipients receive an text message with an e-code, that can be used in Latin America stores and supermarkets. For the senders, it will be the first time they transfer remittance in a free and immediate way. For the recipients, Regalii is a totally safe and convenient system that can be used as soon as received. 80% of the population in Latin America has mobile phones and Internet access; this is why Regalii can operate new technology in a very efficient way.
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
Regalii will sell online gift cards in its web site regalia.com and also in stores and remittance companies in US.
Regalii buys gift cards with a 5 to 15% discount in stores and then sells them to users.
1- Users (Latin people in US) select a store and the amount in Regalii.
2- Users invite their families (via Facebook or email) to increase the amount to send.
3- The web site receives and processes the payment.
4- The recipient (Latin people living in LA) receives its Regalii (via MSM) and uses it in any affiliated members network
Regalii changes the business model and uses new technologies to make it work. With 80% of the population using mobile phones, Regalii can reach any place in Latin America and offer new services to them at a minimum cost.
Our primary activities are to attract more users in US and create a network in Latin America to redeem the Regaliis.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Regalii has not a direct competitor. It’s an e-commerce platform first, and then an e-remittance one, seeking to serve the entire Latin market. The closest competitor is Xoom.com. Regalii operates as a complement and is not a competitor for WU or MG, because they work with a different market and offer a different product. Regalii offers more complete services and focuses on the users’ real needs. The recipients use 70% of the remittance to basic needs as: food, clothing, electronic products and medicine. Regalii also offers a “shopping mall” experience, where people can choose the type and location of the stores to redeem their Regaliis.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
All Regalii’s members are US immigrants and have experienced the remittance system both as senders and recipients. The system hasn’t changed in the past 20 years; it’s still extremely expensive, slow and hard to use. Its service doesn’t solve the real problem and people still use it because it is the only one available. We realized that people use remittance to buy things of common use and that is when we decide to create Regalii, offering a free, more efficient and faster service. We build Regalii because as immigrants, we know the importance to provide for our families in Latin America.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
Regalii’s goal is to create the first free remittance system that helps immigrants in the US and the rest of the world, sending resources to their LA families at no cost. This will help Latin people and its families to be closer and support each other without an excessive cost.
Because we seek to make Latin people’ issues easier, we create free money remittance and a free calling service with our allied Twispi.
As Latin people we know the importance of being close to your family and we want to offer the more affordable and efficient service to them. Savings that Regalii allows are very important to all Hispanic population.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas, Incentivos a prestadores de serviços financeiros para dinamizar o mercado.
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
Regalii is the first free and instant remittance system offering an instant benefit to all marginalized communities in Latin America. It also creates access to new financial services trough Regalli’s platform. Regalii is creating a very important distribution network in Latin America, which can offer all kinds of financial services in an affordable and friendly way. It uses its technology and network to create a new service for users to send and receive money via text messages. That allows having a financial interchange via mobile phones and redeeming its credit.
A sua solução funcionaria em outras regiões? Se sim, onde?
Regalii’s solution can operate in every country with local and international money delivery. Regalii has more control over the transfer resources, because they can be sent for particular needs. Today Regalii is operating in Mexico and Republica Dominicana, but we pretend to expand it throughout Latin America. Its model is very easy to export to many countries.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
If by 2017 Regalii achieves to capture 1% of the $ 69 thousand million, it would be managing $ 690 million in transaction activities. This would be users’ savings for $ 69 million installments (in 2010 the average installment was 10%) (IFAD, 2011). In 10 years Regalii will include millions of underserved families in Latin America to new, easier and more affordable financial services. The Regalii’s network will have thousands of distribution points, increasing its market presence. Users will be able to send money to the entire world and have credit access to the distribution points via text messages.
O que tiveram que mudar para fazer isso acontecer?
Regalii’s network needs to keep growing to reach every city and corner of Latin America. Users would start using internal remittance within their countries. Increasing the amount of users and the use of regaliis. Regalii will be able to expand its financial services and offers. The needed technology already exists; it hasn’t yet been capitalized to money transfer, or allowing Latin America families’ access. This new service is much more affordable and can reach all Latin America by mobile phones.
Qual foi o impacto da sua solução até hoje?
Regalii has just started operating in Mexico and Republica Dominicana in a BETA way, to improve the product and its functioning. We have had an excellent acceptance among users who had tested the platform and we have more than 3,000 users waiting for us to open the platform. The long-term social impact of Regalii is very important, especially for the benefits to underserved people and their families at the bottom of the pyramid.
Qual é a sua expectativa de impacto para os próximos 5 anos?
Regalli hopes to generate 40,000 transactions by 2013, 150,000 transactions by 2014 and finally, 300,000 transactions by 2015. That would allow savings for $ 10,000, not mentioning other costs and wasted hours, transportation, calls and money lost for users in a very difficult process. The impact expected for the next 5 years is huge, since Regalii seeks to attract at least 1% of the market, allowing savings of more than 69 million for the Latin America families.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
The main barrier is building the Latin America network. We need a large enough network to redeem the remittance received. The bigger the network, the more choices for the users to find Regalii‘s members and use the remittance in cash to buy things or pay services in a free and fast way. We developed a benefit plan for the members to accept the regaliis: first, we give them access to an international sale and to a new market, and then, giving them the choice to offer promotions and news services via text messages through all Regalii’s users network with money to be used immediately.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
• Launch the product in Mexico and Republica Dominicana • Get 4 new affiliated for the network. • Offer services payment in US a
Atividade 1
Taking into account the BETA tests and users’ feedback to improve the platform
Atividade 2
Keep up discussions with 10 chain stores to improve the Project and show its benefits.
Atividade 3
Reach technologic integration with those 4 chains in the next 3 months. Generate sales.
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
Be operating and selling in Republica Dominicana and Mexico. We expect to have a network with 10 affiliates and generate some mo
Atividade 1
Expand the affiliated network in Mexico and Republica Dominicana and operate it.
Atividade 2
Offer new pre-paid services to users, such as telephone, electricity, water and gas.
Atividade 3
Prepare Chile and Brasil expansion to get new affiliates and identify local and international users.
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
Regalii has created important alliances for its model business development. In terms of distribution, we closed a partnership with ATI (remittance company with 120 sales points). We have 2 important agreements with Anthony's in Republica Dominicana and 7-eleven in Mexico for the Latin America network. We are already working with 4 other chains. We want to offer a free international calling service with TWISPI, which will give us a competitive advantage over other remittance companies. We’ll be able to offer financial services via text messages with Pademobile, a mobile phone banking company.
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
We are targeting Latin America. We decided to begin with the 2 largest remittance markets. We are sure that if we implement our model in these 2 markets, it will be very easy to export it throughout all Latin America and the world. Especially, because our investors such as Banco Itau and Acción, are already operating in many Latin American’s countries.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
Thanks to our system of intellectual property and to our web site, we are able to offer the more effective service to our users and to create a profitable business model.
We have several control systems already operating, in order to make transactions and emend any mistake in our system and in our affiliates’.
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
Thanks to our social investors, we have the opportunity to offer consulting and community support. Our experience in marketing will be able to also offer support to other society members. Our team has experts in Legal, marketing and financial matters that may help the community.
Data de criação: 26/9/2012
Status do Desafio:
Anúncio dos Vencedores
Marcos [Milestones] do DesafioCrianças & Jovens
Show:
[...]
IntellectTechnologies offers a comprehensive set of solutions for secure and fast financial transactions for banks and corporates. It is simple to operate, easy to use and cost-effective to succeed.
Criado em 09/17/2012 por S.Guda
Approximately 20 words left (160 characters).
leia mais ↓↑ ocultar↑ ocultarPágina da organização na internet
Países onde este projeto vem gerando impacto social
Sua organização é
Selecione todas as opções válidas
Há quanto tempo sua organização está em operação?
Selecione todas as opções válidas
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Ideia (você está para lançar)
Há quanto tempo está em funcionamento?
Ainda na fase de ideia, mas você deseja lançá-lo em breve
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso.
A necessidade: Qual é o problema que você está tentando resolver?
Financial inclusion stems mainly from entry barriers. Entry barriers primarily pertain to Know Your Customer (KYC) norms, willingness of financial institutions to accept account opening by any individual irrespective satisfying or not satisfying so called KYC norms and classification of operative / inoperative accounts by the banks/financial institutions.
A Solução: Qual é a sua solução? Seja específico!
1. Make Basic Bank account a fundamental right of every adult
2. Make mandatory that any Bank/Financial institution must accept opening an account by any individidual
3. Make compulosory that every bank (at the brach level) will have complete biometric and other total degital proof recording (including photographing) system
4. Link and align all the account holders information to PAN (permanant account number) of Income Tax department, Government of India making the Bank responisible to generate PAN (in cases where customer has no PAN - most likely 99% of unbanked individuals will not be having PAN). This shall be made madatory task of Banks/Financial Institutions (Please note every bank/financial institution by default creats a customer ID. Thus it is only a step more to have unique ID system / Unique ID creation. This is discussed below - adoting technologies like the one developed by UIDAI)
5. Adhar type card (all purpose)
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
A Policy intiative at the National (Country level) through lobbying for the Rights based Financial Inclusion" is the goal. As mentioned in my writeup I am an individual and desired that the Contribution / solution proposed by me would be aken forward by the
eminent group of people. The proposed concept solution needs to be carried out in a mission mode and it is a formulation of Public - Private partnership initially till entry barrier is fully wiped out through policy implementation and then it will be Public-Private-Community participation mode.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Barreiras de acessibilidade física ou outros, que impedem as comunidades de usarem os serviços financeiros, Incentivos a prestadores de serviços financeiros para dinamizar o mercado.
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
A sua solução funcionaria em outras regiões? Se sim, onde?
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
O que tiveram que mudar para fazer isso acontecer?
Qual foi o impacto da sua solução até hoje?
Qual é a sua expectativa de impacto para os próximos 5 anos?
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
The solution proposed may lead to duplication of Identities and also or fraudulent identities many fold. This can be solved in a foolproof manner using, technology, Linking with some central digital data base that will automatically check any duplications or frauds (technologies developed for Adhar number generation or some still advanced technology can be deployed). I am not discussing operational details here-in which will bring out much more clearly the practicabilty, feasibilty and usabilty of the proposed solution. Solution 6 of Barrier 1 will address participation by all irrespective of level of Literacy/Financial Literacy/Education and Gender bias to the entry level. There on these target communities shall require motivation, financial literacy, financial education,product knowledge
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
Criado em 09/17/2012 por R.Chihota
Providing alternative financial resources in the form of livestock insurance, funeral/life insurance, disaster insurance and savings mechanisms for rural people
leia mais ↓↑ ocultar↑ ocultarPágina da organização na internet
Países onde este projeto vem gerando impacto social
Sua organização é
Selecione todas as opções válidas
Há quanto tempo sua organização está em operação?
Selecione todas as opções válidas
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Ideia (você está para lançar)
Há quanto tempo está em funcionamento?
Ainda na fase de ideia, mas você deseja lançá-lo em breve
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso, Custo.
A necessidade: Qual é o problema que você está tentando resolver?
Most rural communities in Africa and Asia remain excluded from financial systems. However, their subsistence and economic activities would be enhanced by building inclusive financial systems that bring them into national financial systems. Most rural communities’ livelihoods are based on agriculture and other economic activities such as mining, arts & crafts, carpentry, etc. To effectively build financial systems that bring these rural based and often large sections of the population, into financial systems, we need to monetarize their economic activities. We also need to break with the tradition that rural communities or unbanked communities need “just loans” or credit, and embrace the future-oriented realism that these communities need full and all-round financial services/financial solu
A Solução: Qual é a sua solução? Seja específico!
1. Medical Insurance or medical cover to take himself or his child to hospital in the case of sickness,
2. Funeral cover/Life assurance in the case of death
3. Disaster cover/short term insurance in the case of natural disasters or life disruptions
4. Savings mechanism to smoothen expenditures in the case of acute cycles of prosperity seasons and drought periods.
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
To effectively build inclusive financial systems, we need to examine the activities of the local communities and try to attach some economic value on those activities or assets. Most rural communities would ordinarily have livestock on their homesteads, and to unlock the financial value of those livestock, we need to attach an estimate value. For example in Africa, cattle are the most common store of value for communal farmers or subsistence farmers. If we manage to attach value on each beast, we can increase access to credit for most rural subsistence farmers that are currently excluded from our financial systems.
Here we propose how we might go about securitising cattle, and broadening financial access to rural subsistence farmers. We assume that the MFI is a hybrid MFI which offers not only loans, but the full range of financial services.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
The overriding goal of this initiative is to make it easy for the majority of rural communal farmers owning livestock (cattle, goats, sheep, chicken, etc) to enter the mainstream national financial systems by translating their livestock into some form of measurable financial assets. Billions of rural farmers own livestock. So we convince them to insure their livestock through livestock microinsurance. After this they will be able to borrow from MFIs and pledge their insured livestock as collateral.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas.
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
A sua solução funcionaria em outras regiões? Se sim, onde?
Wherever there are rural communities
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
O que tiveram que mudar para fazer isso acontecer?
Qual foi o impacto da sua solução até hoje?
Qual é a sua expectativa de impacto para os próximos 5 anos?
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
We are also targeting urban populations, cooperatives and other populations involved in poultry projects, fisheries, etc. Because their livestock is now insured, these sections of the populations have been able to access loans from local financial institutions.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
The operating environment should have the following;
-huge sections of unbanked rural populations
-prevalent livestock ownership by rural populations or other sections of the populations
-basic literacy (some form of social intermediation needed) to educate rural livestock owners on benefits of livestock insurance
-Funding for MFIs to be able to offer loans to meet the demand arising out of the livestock owners
-Absence or little presence of microfinance/microinsurance/medical insurance in targeted areas.
-Reliable Livestock markets
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
Criado em 09/17/2012 por FundacionEnVia
En Vía work to strengthen communities and their economies through the combination of interest-free microloans, education, and responsible tourism.
Organização: Fundación En Vía
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
Países onde este projeto vem gerando impacto social
Sua organização é
OSCIP/ONG
Há quanto tempo sua organização está em operação?
Mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
We have received a Trip Advisor award, Award of Excellence, for our tours.
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Crescimento (seu piloto está em andamento e começa a se expandir)
Há quanto tempo está em funcionamento?
Em execução entre 1 e 5 anos
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso, Custo.
A necessidade: Qual é o problema que você está tentando resolver?
Members of rural indigenous communities in Mexico are typically excluded from and/or taken advantage of by financial services. Communities excluded become marginalized and are driven to rely on charitable or governmental aid programs - promoting dependency instead of participation and contribution to society. This exclusion supports poverty cycles and/or forces migration. Financial services that do reach communities lack regulations becoming more predatory than beneficial to customers. In Mexico interest rates can be exorbitant charging up to 120% on small loans. Customers lack information and education regarding the financial products, or necessary capital, that they submit to unfavorable financial services.
A Solução: Qual é a sua solução? Seja específico!
Our solution removes the barriers inherent in current financial services and supports rural indigenous communities. Through the combination of interest-free microloans, education, and responsible tourism, we work to strengthen communities and their economies. Our microloan program gives women the opportunity to create or expand small businesses, empowering them to better provide for themselves and their families. Our educational programs prepare women to make better financial decisions regarding business and personal finances, and use of credit. In addition to financial education, we focus on health, marketing, computer, English and personal growth programs, to support the community as a whole. Our tourism model allows us to leverage the resources of tourism and direct them sustainably into communities that are typically outside of the sphere of mainstream tourism.
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
Over 309 women have joined us - all through referrals from friends and neighbours - with 61.8 % of them joining in the last two years. To receive the first loan, a woman must complete a business course that provides crucial business skills. Upon completion, she receives her first loan. To receive subsequent loans, women present their businesses to travellers that fund their next loan. The presentation are platforms for them to share their successes and challenges, and travellers provide advice and encouragement. Sara, a storeowner, wasn’t separating her business from personal money. She kept all money in the front pocket of her apron, including store sales, withdrawing also for personal needs. This left her with little or no money to invest in restocking her store. In addition, Sara and her family took items like cooking oil from her store without paying for them, leaving her store shelves empty, and with less money to reinvest. After the business course, Sara began separating her money, and required her family to pay for store items. Soon her store went from empty shelves to having a fully stocked store with brand new inventory such as dried maize and chillies that bring higher returns.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
We span two sectors: finance and tourism. Competitors are banks like Compartamos and non-profits like FINCA that provide: loans, insurance, savings, etc. aimed to serve the poor. Tourism provides our funding and ROI is the experience had by travellers, enabling us to provide low-cost or no-cost financial services and education. In 2011, tourists in Mexico spent US $11.9 billion. We funnel this capital into communities supporting their own goals for development. Most recently, tourists ranked cultural activities as a top reason for visiting a destination. Our tours provide a genuine cultural experience, and are well reviewed in the industry by Trip Advisor, Lonely Planet, and NYTimes.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
En Via was inspired by an article on the Matador network that addressed the demoralizing sentiment that came from a look-and-point tour observing the helplessness of people living in poverty to satisfy self-interests of travelers. The article questioned whether a tour could instead support the aspirations of people.
Our project in Oaxaca began in 2008 by partnering with women living in poverty who were interested in starting a businesses, providing them with an interest-free microloan funded by fees travelers paid to meet and learn from them.
Since the pilot project in 2008, Carlos Topete and Emily Berens worked diligently to establish relationships within communities, and build a sustainable and effective program. In 2010, Carlos and Emily officially founded Fundación En Via.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
To contribute to the success of individuals by equipping them with the education skills necessary to accomplish their goals, while also economically supporting them through interest-free microloans. Education plays an important role in the strength and ability of community, and therefore we have made it an integral part of our program. Our on-going and free programs provided in the communities consist of English (provided 4 days/week), computer, money management (required), loan management (required), savings account and marketing classes, and in addition various themed workshops that focus on personal motivation and business development. We believe with the right tools, traditionally excluded and underserved communities can thrive.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Barreiras de acessibilidade física ou outros, que impedem as comunidades de usarem os serviços financeiros, A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas, Incentivos a prestadores de serviços financeiros para dinamizar o mercado.
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
Our solution currently serves indigenous women from five communities in the Central Valleys of Oaxaca. These women entrepreneurs are bread and tortilla makers, seamstresses, market vendors (cheese, poultry, vegetables), farmers, artisans, and food vendors. We currently work with 239 women of which 67% have a primary school level of education or lower, 24% have received just up to secondary entry level, and only 9% have received a high school education or higher-level education.
A sua solução funcionaria em outras regiões? Se sim, onde?
Our solution can be successful implemented anywhere there is an active tourism industry. To that effect our solution can work around the world. At this moment we work up to an hour outside of the city center. Depending on planning, the solution could work in even more remote areas, bring tourists out for overnight or multi-day day trips.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
Funding can be the death or glory of an idea. Our solution taps into an underutilized, incredibly abundant source of funding, tourism revenue. Travelers are investors looking for memorable experiences. If organizations can appeal to said investors, and harness a .01% of tourism revenue to support economic growth in excluded and underserved communities, we could secure 600,000,000 million in funding annually.
Our ability to generate funds removes our focus from returns to banks and private investors to focusing on the success of our borrowers. In addition, participants see first-hand the growth and development that can be accomplished by communities and people that are afforded access to financial services. It removes stereotypes of the poor, connecting people to people, and allowing entrepreneurs to share their skills.
O que tiveram que mudar para fazer isso acontecer?
Financial barriers and misconceptions that marginalize communities need to be removed. Financial products need to be reinvented to be affordable, valuable, and accessible for clients. Aid/assistance programs need to re-evaluate their efforts and views of the “help” they provide; as it often promotes stagnation as people wait for handouts. Programs need to inspire participation of communities, and encourage people to utilization their skill sets. It is important to let rural communities become a part of the discussion, and define their own goals to success.
Qual foi o impacto da sua solução até hoje?
Our interest-free loans encourage women, previously afraid to explore microfinance, to join. Through the experience women learn how to effectively manage their loans, weekly payments, and business and household finances alike without the risk of taking on compounding interest rates and penalties. We created a flexible system that encourages women to enter a learning experience, where, as borrowers, they have the opportunity to test whether (how) microfinance (can work for them) works, explore potential markets for their business ideas and goals, and learn to navigate financial systems with increased proficiency. We have introduced 280 women to positive impacts microfinance can have on their businesses, as long as they understand the terms. These women can now confidently and comfortably find financial products that fit their needs.
Qual é a sua expectativa de impacto para os próximos 5 anos?
To continue providing education in regards to running a business and using financial products to women and communities that are currently excluded from these services, as to prepare them knowledge to make sound financial decisions regarding their loans, families, and business. While supporting the women’s goals economically, through our tours. We will introduce more people worldwide to power of education and microfinance, garner great support to remove barriers that exclude these communities.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
A social or environmental event that decreases tourism would have a large impact on our organization. As of recently, we started providing women with the option to apply for a larger loan, which do carry annual interest rate of 15%. Women are eligible for interest loans after completing payment on their third interest-free loan loan. Adding this component to our program accomplishes both meeting the needs of women whose business have grown, and are in need of more capital, while also creating an income for the organization. This income can be used to provide interest-free loans during low tourism seasons.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Secure funding via continuing tours to grow no. of women in program; track women's data to monitor and improve upon successes
Atividade 1
Increased exposure in the tourism segment
Atividade 2
Introduction of new course material that focus on improving sales, and customer service
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
Provide new & improved financial product offerings: micro-insurance and rent-to-own programs, to better serve women
Atividade 1
Researching, securing of funding, implementation
Atividade 2
Securing funding to provide large loans for the rent-to-own program, support women to make large investments in their business
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
We value the relationships and trust we have built with the women. It improves the strength and power of the organization. Our default rate is 1 for every 100 loans. Therefore we truly value growing larger within a community, rather than expanding rapidly throughout communities. We would like to focus our immediate efforts in Oaxaca, Mexico with the idea of also opening in another Mexican state in the near future.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
Criado em 09/16/2012 por Asier Ansorena
Fomentar a extraordinária capacidade empreendedora das mulheres do Bolsa Família através de um conjunto de ações que buscam sua inclusão socioprodutiva.
Organização: Instituto Palmas
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
Países onde este projeto vem gerando impacto social
Sua organização é
OSCIP/ONG
Há quanto tempo sua organização está em operação?
Mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
I) Prêmio Tecnologia Social da Fundação Banco do Brasil (2005)
II) Prêmio UBS – ASHOKA – Categoria Desenvolvimento Econômico (2005)
III) Prêmio Transformadores - Categoria Desprendimento – Revista TRIP (2007)
IV) ODM – Brasil - Objetivos do Milênio – Gabinete da Presidência da República (2008)
V) Prêmio Orilaxé - Direitos Humanos – Categoria Projeto Social – Grupo Cultural Afroreaggae (2008)
VI) Premio FINEP de Inovação – região nordeste e nacional – Categoria Tecnologia Social (2008)
VII) Prêmio Personalidade Financeira de 2011- categoria crédito – Relatório Bancário
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Estabelecido (estágios anteriores completos e com sucesso comprovado)
Há quanto tempo está em funcionamento?
Em execução entre 1 e 5 anos
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso, Qualidade.
A necessidade: Qual é o problema que você está tentando resolver?
Atendendo a demanda de um grande número de mulheres, o Banco Palmas iniciou uma linha de crédito produtivo específico para as mulheres beneficiadas pelo Programa Bolsa Família, que residem no Conjunto Palmeira e Adjacências. Nossa crença é que existe uma extraordinária capacidade produtiva nessas mulheres, mas que não consegue aflorar por falta de motivação, formação, acesso a crédito e tecnologia.
Buscamos com esses créditos despertar e estimular nas mulheres sua capacidade empreendedora, bem como potencializar as atividades produtivas que já existem, minimizando progressivamente o estado de pobreza e miséria em que se encontram.
O projeto surgiu como seguimento as ações microcrédito para as mulheres do Bolsa família, estando, portanto, voltado para inclusão socioprodutiva destas.
A Solução: Qual é a sua solução? Seja específico!
A Filosofia do Projeto ELAS acredita que “ninguém supera a Pobreza sozinho e sem desejar supera-la.” Neste sentido o projeto inicia com a tomada de decisão da mulher em procurar o Banco Palmas para solicitar um credito com o objetivo de ampliar ou iniciar uma atividade produtiva. A partir daí ela se insere no projeto ELAS e fica sendo acompanhada pelos Agentes de Inclusão Socioprodutiva, que busca estimula-la a participar de varias atividades que facilitam o processo de organização para o associativismo comunitário e econômico.
O projeto ELAS oferece quatro ações:
•Acompanhamento - Agentes de Inclusão Socioprodutiva
•Educação financeira e capacitação
•Crédito Produtivo e outros produtos financeiros adaptados
•Fundo Solidário para Compras Conjuntas
A participação das mulheres nas diferentes ações do projeto não só permitirá elas sonharem com serem independentes e produtivas, mas pela primeira vez elas terão as ferramentas, guia e apoio suficientes para fazer isso acontecer.
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
Dona Marinete, moradora no Conjunto Palmeiras e beneficiária do Bolsa Família chega no Banco Palmas para solicitar um crédito. Ela esta precisando do investimento para poder fazer salgados para vender na festa que vai ter no bairro, é uma boa oportunidade para complementar a renda da família.
Ela é atendida por um dos nossos agentes de crédito, que mostra para Marinete as opções de crédito disponíveis alem de outras iniciativas e oportunidades que o Banco oferece. Durante o processo de liberação de crédito ela conhece a Juliana, a agente de inclusão socioprodutiva, que ira visita-la antes do fim do mês para conhecer a realidade da Marinete e começar o acompanhamento socioeconômico. Durante o acompanhamento a Juliana vai informando a Marinete sobre as diferentes capacitações que vão acontecendo. A Marinete fica intrigada por um curso de culinária que vai ter no mês seguinte, finalmente resolve se inscrever.
O curso é de 2 meses, la aprende muitas receitas gostosas e saudáveis e alem disso forma um vinculo muito forte com as mulheres do curso. Elas vão se juntar para produzir diferentes pratos típicos para o festival gastronômico que vai ter no bairro organizado pelo Banco Palmas. Juntas tem decidido solicitar um crédito sem juros ao fundo solidário, para poder fazer as compras dos insumos juntas. A bancada da Marinete acaba sendo um sucesso, muitas pessoas passaram e desfrutaram dos produtos oferecidos por ela. A Marinete ficou tão animada que agora esta decidida em continuar com a atividade de forma continua, só não sabe se fazer sozinha o junto com as amigas.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Nossos concorrentes se caracterizam por oferecer alguns desses serviços por separado, e nunca como um conjunto de atividades e ferramentas que se complementam.
Na área de microcrédito nosso principal concorrente é o programa de microcrédito do Banco do Nordeste, Crediamigo. Mas o programa principalmente credito em grupo, porem nos utilizamos em 99% dos casos uma metodologia de crédito individual, o que flexibiliza e facilita o acesso ao credito pelos mais pobres.
Em educação o sistema “S” do governo tem objetivos semelhantes mas os cursos acontecem principalmente longe das comunidades onde ficam as populações mais pobres. Porem os Bancos Comunitários, onde se oferece o Projeto Elas, estão localizados no centro dessas comunidades.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
Em setembro de 2010 o Banco Palmas começou com uma linha de crédito diferenciada para as mulheres do Bolsa Família. Em fevereiro de 2011 fizemos um pequeno levantamento socioeconômico sobre as condições dessas tomadoras de credito. No levantamento observamos umas condições de exclusão social, produtiva e econômica muito grande. Não só eram pessoas sem acesso a serviços financeiros, também tinham grandes dificuldades para acessar serviços públicos básicos (saúde, educação) e por incrível que pareça com poucas oportunidades para o lazer e para criar vínculos com a comunidade/bairro. Ou seja, uma situação de extrema fragilidade, o que faria impossível que as mesmas mulheres pudessem aproveitar qualquer oportunidade que o poder publico fosse fornecer (Brasil Sem Miséria). Por tanto como organização da sociedade civil tínhamos que atuar para resolver esse gap entre a politica publica para a superação da pobreza e as mais desfavorecidas. Com esse objetivo em mente criamos o Projeto Elas.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
Empoderamento, emancipação e inclusão socioprodutiva das Mulheres do Bolsa Família. Mulheres que atraves da participação nas diferentes ações do Projeto Elas (produtos financeiros adaptados a sua realidade, acompanhamento diferenciado, capacitação etc) conseguem superar aa situação de fragilidade e pobreza extrema e através da sua propria capacidade produtiva iniciam atividades geradores de renda de forma individual ou em conjunto com outras mulheres, ou conseguem emprego, e ganham a suficiente independência para poder perseguir seus sonhos e cuidar dos filhos de forma complementar.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Barreiras de acessibilidade física ou outros, que impedem as comunidades de usarem os serviços financeiros, A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas, Outros (especifique abaixo).
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
exclusão socioprodutiva e isolamento das mulheres do Bolsa Família.
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
Região do Grande Jaungurussu, na periferia de Fortaleza, onde moram mais de 100.000 pessoas. Durante 18 meses de trabalho desenvolvido no Projeto, temos investido com crédito em perto de 2500 mulheres do bolsa família, e mais de 1000 com acompanhamento diferenciado das agentes de inclusão financeira.
A sua solução funcionaria em outras regiões? Se sim, onde?
Sim, o Projeto Elas pensado para mulheres do Bolsa Família que moram na periferia urbana de Fortaleza. Mas as condições dessas mulheres do Grande Jaungurussu, em Fortaleza, se dão em todas as periferias das grandes cidades do Brasil e até em algumas zonas rurais.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
Mulheres com a capacidade e independência para mudar a vida das suas famílias, deixando atrás a situação de fragilidade, pobreza e dependência. Alem disso, poder publico mais sensibilizado com as condições dos mais pobres e recuperando a vontade de traballhar com a sociedade civil para buscar soluções a realidade de exclusão e desigualdade imperante no Brasil.
O que tiveram que mudar para fazer isso acontecer?
Replicar O Projeto Elas, que foi implementado inicialmente no Grande Jaungurussu (periferia de Fortaleza) através do Banco Palmas, em outros Bancos Comunitários no Brasil. Continuar aprofundizando nas parcerias com as instituições financeiras para continuar aumentando a qualidade e quantidade da oferta de produtos financeiros adaptadas para as mulheres do bolsa família. Ao mesmo tempo sensibilizar o poder público para trabalhar junto com os bancos comunitários utilizando a logica do Projeto Elas para fornecer treinamento e capacitação profissional nas comunidades. http://brasil.nextbillion.net/blogpost.aspx?blogid=2869
Qual foi o impacto da sua solução até hoje?
Ações do Projeto Elas
• Investidos R$ 560 mil em crédito para mais de 2500 mulheres
• 1400 microsseguros vendidos
• 4500 visitas de acompanhamento realizadas pelas agentes de Inclusão Socioprodutiva
• Mais de 1500 mulheres capacitadas em educação financeira e capacitação profisional
• 30 Feiras solidárias como estratégia de comercialização
• 770 encontros pedagógicos
Segundo Análise de Impacto desenvolvido pela Oxford Microfinance Initiative , o Projeto Elas contribuiu positivamente para as mulheres participantes do projeto nas seguintes areas
• Aumento de Renda
• Acesso a nutrição
• Maior sensibilidade sobre as condições de saúde da família
• Aumento nos vínculos comunitários
• Aumento nas atividades de lazer
• Maior empoderamento e autoestima.
• Aumento na capacidade para empreender.
Qual é a sua expectativa de impacto para os próximos 5 anos?
Região do Grande Jaungurussu, na periferia de Fortaleza, onde moram mais de 100.000 pessoas. Durante 18 meses de trabalho desenvolvido no Projeto, temos investido com crédito em perto de 2500 mulheres do bolsa família, e mais de 1000 com acompanhamento diferenciado das agentes de inclusão financeira. O objetivo para os próximos 5 anos é fornecer creditos para mais de 15000 mulheres do Bolsa Família na região do Grande Jaungurussu e mais de 7500 dessas mulheres irão receber acompanhamento diferenciado e participando das ações integradas não financeiras do Projeto Elas.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
Falta de financiamento. Por tanto o Instituto Palmas procura diversificar suas fontes de financiamento.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Aumento de 20% numero de mulheres beneficiadas de forma integrada pelo projeto.
Atividade 1
Replicar o Projeto Elas em mais 1 banco comunitário
Atividade 2
Diversificar os cursos de capacitação segundo demanda as mulheres do Projeto Elas.
Atividade 3
Coordenar estratégia de comunicação com as agentes de inclusão sócioprodutiva, para divulgação dentro do território de ação.
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
Aumento de 50% numero de mulheres beneficiadas de forma integrada pelo projeto
Atividade 1
Flexibilizar condições de linha de crédito
Atividade 2
Aumentar o numero de mulheres que participam do nosso piloto “pagamento pelo celular” (mobile payment)
Atividade 3
Replicar o Projeto Elas em mais 3 Bancos Comunitários.
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
As parcerias permitem a realização do projeto, assim como a melhora de nossas ações através do aprofundamento das parcerias. Por exemplo em agosto de 2010 iniciamos as discussões para uma potencial parceria com a Zurich (seguros). Em novembro já começamos vender o primeiro microsseguro. Depois flexibilizamos as características do produto para atingir maior impacto, seguindo as demandas da população. Posteriormente criamos um novo produto para as beneficiarias do Bolsa Família, chamado Palminha. Recentemente começamos conversas para introduzir soluções de TI para facilitar o acesso ao serviço
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
Durante o próximo ano queremos replicar o Projeto Elas em pelo menos outro Banco Comunitário em Fortaleza, e outro em outra cidade do interior do Ceará. O objetivo a meio e lungo prazo é que a maioria dos bancos comunitários possam realizar o Projeto Elas nos seus territórios. Hoje tem mais de 80 Bancos Comunitários em 13 estados diferentes, por tanto o Projeto Elas tem potencial para ser replicado pelo Brasil.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
As ações financeiras serão realizadas pelos funcionários do banco comunitário, sem precisar contratar mais funcionários. O processo de delivery dos produtos financeiros não difere dos outros produtos já ofertados pelos bancos comunitários. Porem será necessário um breve treinamento para os funcionários para explicar a lógica, relevância e impacto dos produtos adaptados para as beneficiarias do bolsa família.
As ações não financeiras (acompanhamento socioeconomico, grupos pedagógicos e setoriais etc.) serão organizadas pelos agentes de inclusão socioprodutiva depois de treinamento intensivo na metodologia do Projeto Elas.
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
Para nos a oportunidade de colaborar sempre foi sinônimo de sucesso, por tanto estariamos muito felizes de poder compartilhar nossas iniciativas e de apreender dos outros que estão participando do desafio. Como muitas outras organizações da sociedade civil, estamos procurando investimento e apoio para nossa ideia para aumentar a escala do projeto e que possa ser replicado pelo Brasil.
Criado em 09/15/2012 por KBN.Rayana
Ours main role of IAMMA ~~ agriculture feeds, clothes and shelters to the human beings~~ hence we do to secure for their foods
Organização: IAMMA-Institute of Agricultural Marketing, Management and Administration
mais ↓↑ ocultar↑ ocultarNome da Organização
IAMMA-Institute of Agricultural Marketing, Management and Administration
Página da organização na internet
País da organização
Estados Unidos , NY, Baldwin
Países onde este projeto vem gerando impacto social
Sua organização é
OSCIP/ONG
Há quanto tempo sua organização está em operação?
Mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
Great innovator --- a agric .clinics – aproject for employment for unemployed grads. Of Agric. Copied by NABARD(india) and now under implementation 2. advised the Govt. of india to introduce Ag. Biotech in 1984 itself. 3. innovator—sloganed as >> Agroeconomy is super econoy under Transitional economy-eg. India (after Research on Global transitional countries)
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Ideia (você está para lançar)
Há quanto tempo está em funcionamento?
Em execução entre 1 e 5 anos
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso.
A necessidade: Qual é o problema que você está tentando resolver?
1. Help to both farmers and non farmers of the village/ city /market bound, 2. A special preference for women – ie, give a special attention for women to open and an advance credit of 100 in their country currency(no security) 3. special attention for drown trodden farmer/non farmer
A Solução: Qual é a sua solução? Seja específico!
No one will suffer with poverty and one can take up the human right to live
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
No bank will be providing today without opening of min. security deposit- where as we provide gender importance will advanced credit. 2. importance the local down trodden.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Who are your peers and competitors? Identify others who are working to address ; THE BANKERS, MONEY LENDERS INCLUDING MICRO FIANANCERS ETC
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
OH ! Yah it is … the founders saw the saga—they must realize one have right to live once born., and share the resources .
Aftral it s no ones property. Once life completed one cannot carry with them….
Hence realize the human shareing / importance…..
More so helping the farmer is immense as he or she is the food secureity….. most of the countries are agro economy base, where in women role is a greater role than the men but wages discreat it since law forbidden equality in some countries.
Gender importance….etc
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Barreiras de acessibilidade física ou outros, que impedem as comunidades de usarem os serviços financeiros, A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas, Incentivos a prestadores de serviços financeiros para dinamizar o mercado, Outros (especifique abaixo).
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
Down troddens and gender importance
A sua solução funcionaria em outras regiões? Se sim, onde?
Yes = it is a world wide problem
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
Secure life for every one and good food with food security and development
O que tiveram que mudar para fazer isso acontecer?
Qual foi o impacto da sua solução até hoje?
Fill the millennium gap which resolution made by UN
Qual é a sua expectativa de impacto para os próximos 5 anos?
Good images in the eyes of non reached communities
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
Political and financial ; which to be collectively over come by introduceing the hinders in the field.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
It is too early to discuss
Atividade 2
local impacts and barriers
Atividade 3
permission from the local authroities
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
One can identify and reach the persons whose eyes are need help
Atividade 3
scaling up of the project
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
The great importance is human life which looks for money in need.
Specifically the farmers when their crop is in the field.
Women when she fail to obtain the employment
Artisans which are non farmers when they attack with any disasters and other which are not on agenda of social security…
Criado em 09/15/2012 por m.awal
CID-Ghana is a grass roots org focused on education, water supply, empowerment of women, micro credit loans and financing and capacity building training.
Organização: Cooperation for Integrated Development
mais ↓↑ ocultar↑ ocultarNome da Organização
Cooperation for Integrated Development
Página da organização na internet
Países onde este projeto vem gerando impacto social
Sua organização é
OSCIP/ONG
Há quanto tempo sua organização está em operação?
Mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Estabelecido (estágios anteriores completos e com sucesso comprovado)
Há quanto tempo está em funcionamento?
Em execução por mais de 5 anos
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso, Equidade.
A necessidade: Qual é o problema que você está tentando resolver?
[Many of the inhabitants of Peru-urban communities in Northern Region are farmers who still use the traditional crop farming system, which brings them more harm rather than good.
The use of farming logistics and equipments are limited due to in adequate availability of financial resource to pay for the service of equipments to and other logistics to support the farming activities of the farmers to produce in a large scale and to ensure safety and food security.]
A Solução: Qual é a sua solução? Seja específico!
[ To create financial rescue programme to finance individual household farming project in the Peru-urban communities through community partnership. This approach would support individual households to improve on their farms and increase output.]
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
[Our model is to support individual household in 3 farming communities with the cost of ploughing, weddisies and fertilizer in a form of low interest loan. With a payback either by stock or in cash.]
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
The farming communities are endowed fertile natural soil with about an average of 6 acres of land per household. However, due to the use of traditional farming system the households were under utilizing the land by farming on an average of 2 acres of land per household. Through the internet research we discovered this system used successful elsewhere in Africa and Asia by different agencies and as a result we try to replace the same project in Tamale Peru-urban communities Northern Ghana to promote food security and reduce poverty among our indigenous farming inhabitants.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Barreiras de acessibilidade física ou outros, que impedem as comunidades de usarem os serviços financeiros, A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas.
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
Kotingli, Kpenchila and zakal yili farming Communities in the Tamale peru-urban communities.
A sua solução funcionaria em outras regiões? Se sim, onde?
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
Beneficiary farmers would be self financial sustainable, food production in beneficiary communities would increase tremendously in output and then this can also help reduce the global food insecurity.
O que tiveram que mudar para fazer isso acontecer?
The change is from traditional farming system to modern technological farming system though a sound financial backup of the selected farming communities.
Qual foi o impacto da sua solução até hoje?
Already, the system proves working and successful with 20 individual household farming beneficiaries who have already benefited in this programme. Beneficiaries using the modern farming technology in Kotingli community under our support are able to farm average 4 acres of maize, peanut and rice. This means that beneficiaries are able to increase the farm lands from an average of two hectors to 4 acres. Output has also triple and beneficiaries are able to pay off their loans.
Qual é a sua expectativa de impacto para os próximos 5 anos?
The projected impact over the next 3 years is to increase the number of beneficiaries in the community of Kotingli from the current 20 household to 35 household and to replicate the programme in other communities such as Zakalyili and Kpenchila farming communities to increase beneficiaries to 250 household in all the 3 communities.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
Finances is a barrier to the success of the programme and we would continues to work through micro financing companies like Micro finance and small loans center (Masloc) a Ghana government financing agency to access finance for the households.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Atividade 1
Support beneficiaries to harvest their farm produce
Atividade 2
Assist beneficiaries access to market
Atividade 3
Recover loan from beneficiaries
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
To increase beneficiaries of Kontingli community from 20 household beneficiaries to 35 beneficiaries.
Atividade 1
Give financial and operational orientation to newly admitted household yet to benefit about the project
Atividade 2
Seek for more support from our main micro finance financier (MASLOC)
Atividade 3
Support beneficiaries with modern farming logistics and equipment in the next farming season May to December 2013
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
Criado em 09/15/2012 por ben.bataringaya
COVOID is a child focused, NGO, registered with the Uganda Government undertaking livelihood/food security, child HIV/AIDs and climate change.
Organização: Community Volunteer Initiative for Development (COVOID)
mais ↓↑ ocultar↑ ocultarNome da Organização
Community Volunteer Initiative for Development (COVOID)
Página da organização na internet
Países onde este projeto vem gerando impacto social
Sua organização é
OSCIP/ONG
Há quanto tempo sua organização está em operação?
Mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
> Rubirizi Local Government has recognised our efforts and plans are under way to give us an award for having transformed lives in the area.
> Magambo Sub county also recognised our efforts for transforming lives in the District and a function is being organised to give it to us officially
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Estabelecido (estágios anteriores completos e com sucesso comprovado)
Há quanto tempo está em funcionamento?
Em execução por mais de 5 anos
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso, Equidade.
A necessidade: Qual é o problema que você está tentando resolver?
The rural poor in Rubirizi and neighboring Districts are unable to receive Loans from lending institutions because the MFIs are concentrated in Urban and Peri- Urban areas. Due to abject poverty,the poor and the marginalized women and men cannot raise the minimum US$ 10 for opening up bank accounts with MFIs to access loans. In Uganda 43% of the population have no access to financial services with unmet needs being greatest in the rural areas, (Uganda Poverty status report, 2006). The cost of travel to access the finance services and other expenses are high. At the same time MFI requirements and bureaucracy makes it hard for the poor population to access services. Hence VSLA becomes the best option for the poor. MFIs provide credit only to those with collateral and not rural poor.
A Solução: Qual é a sua solução? Seja específico!
- Village Savings and Loans association (VSLA) members come together in self-selected groups of 15-30 members and pool their resources (money) in one pool. They use a metallic lockable cashbox for custody of their funds and begin lending amongst themselves.
- Members meet weekly to make routine savings and lending following their established rules and regulations. They lend amongst themselves and monitor each other to ensure that borrowed funds are put to good use especially by establishing a vital income generating activity. The methodology inculcates a culture of savings among the clients. It is confirmed in Uganda that lack of culture of savings is one of reason for poverty.
-These are community self-managed systems of the purest form of financial intermediation based solely on members’ savings and small, self-managed groups. These are also trained in selection; planning & management to enable them select IGAs suitable for their individual circumstances What is above]
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
- The solution makes a difference in the lives of the poor through instilling a culture of savings (which is lacking especially among the poor in Africa especially).
- The weekly savings enable the poor to accumulate savings and also access loans which they use to address their needs and accumulate assets. The poor at the end of the cycle (which is always between 8 months- 12 Months realise a lump some which most of them have never realised in life and they use the money to begin small IGAs and to address their HHs needs
- Conduct community dialogue meetings with Local leaders in a bid to solicit support to ensure political sustainability of the project.
- Conduct community dialogue meetings at village level/community level-
- Select Community based Trainers who train the groups /supervises the groups
- Forming the self select groups
- Procure VSLA Tool Kits- each VSLA groups is given a kit
- Train community based trainers from the communities- These are tasked to train the VSLA groups in all the three phases
- Training the VSLA groups in VSLA methodology- Training is intensive in the first three Months.
- Monitoring the VSLA groups
- Conduct review meetings with stakeholders
- Conduct SPM ( Selection and Planning of IGAs) for the groups
- Conduct an exposure visit for Clients
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Our competitors would be the Micro finciance institutions that give cash hand outs eg FINCA, BRAC and commercial Banks. MDIs ( Micro finance institutions eg FINCA,Pride Africa, Banks- What differentiates us from them is that our methodology does not encourage cash hand out to the poor but we instead mobilise them to build their own money through weekly savings. It is on that basis that VSLA groups become self sustaining. Interest earned on the loans taken by members is shared by members at the end of cycle-where in MDIs or in Banks, interest never come comes to members.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
Ben Bataringaya conceived COVOID in 1998 while working with Plan international but vision actualisation took place in 2003 when COVOID opened offices in Rubirizi District ( Uganda).In 2003 Ben joined Save the children UK and while with save the children, Save the children with support from Care international piloted the VSLA methodology in Western Uganda where I was a Project coordinator. We were trained by Care international staff who participated in the initial pilots of the methodology in Niger in West Africa. I piloted it in Kasese and the pilot was 100% a success.
In 2003 when I started COVOID in my home District, we started the formation of groups and empowered them in VSLA methodology and communities embraced it and to date we have over 880 VLSA groups (25000 clients 19000 females,6000 males) spread in over 4 Districts of Greater Bushenyi. I piloted VSLA in Sudan under ZOA Refugee Care and with ADRA in February 2012.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
By 2015 the quality of life for 5,000 poor marginalized people and their households is improved in 4 Districts of Western Uganda.( In line with strategy 2012-2015)
Outline
1) increased access to viable savings and credit management systems for 5000 in 4 Districts
2) Empowered community structures able to support, maintain and sustain the existing savings and loans mechanisms in 4 Districts .
3) To provide business development skills in the selection, planning and management (SPM) of IGAs to 25% of the 5,000 VSLA
4) A functional monitoring and evaluation system for effective and efficient project implementation
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Barreiras de acessibilidade física ou outros, que impedem as comunidades de usarem os serviços financeiros, A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas.
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
- The solutions targets communities who can not earn 1$ (a dollar) or spend it. People under abject poverty. The poor and marginalised. People in a state of hopelessness, sometime people who think that perhaps God designed that they would die in poverty.
- Interestingly in Africa and Uganda inclusive we have some poor people who think that God already decided that they would die in poverty- we have used the methodology to change the mindset of such people
A sua solução funcionaria em outras regiões? Se sim, onde?
- Interestingly the methodology can work in other geographical areas- I piloted it in Sudan, a post conflict environment and it works.
- It can work everywhere as far as I am concerned. Where ever the poor exists the methodology works. Interestingly because of its uniqueness even the rich who are above poverty line, they have been forced to make their own groups through replication- The methodology has a high replicability rate.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
- In 10 years it is expected that the poor who were below the poverty line will now be above the poverty line- i.e. they would be able to earn 1 $ a day or spent it.
- The poor will be expected to be involved in big and viable IGAs as they will have been trained in Selection planning and management of IGAs.
- The community where the methodology will have been piloted will change- the methodology it is proven impacts the community- through poverty reduction and Household income increase, increased purchasing power etc
O que tiveram que mudar para fazer isso acontecer?
- Household incomes of the poor will change for the better.
- The spirit of hard working- The methodology fights laziness among the people as people have to work hard to get money for the next week savings. One client testified, with COVOID introducing the methodology, I no longer have time to waste, I must work hard to ensure that I have money to save every week.
- Level of poverty -Reduction in poverty levels.
Qual foi o impacto da sua solução até hoje?
1) Increased self-esteem and social statuses of its Clients .(Self reported impact) 2) Improved nutrition and Health of clients and their HHs, 3) Improvement in Household communication and power sharing in decision making between men and their wives. 4) Decrease in Domestic violence. 5) Increased ability of Women, to address their own problems and provide for 100% themselves and their families. While many women used to sit idle, waiting for their husband to provide for them, they have now learned how to save and how to use this savings, in combination with the loans, to generate their own income. 6) Improvement in social capital 7) At community level the methodology leads to increased Household incomes and poverty reduction.( Khanker 2005, Hashemi Riley 1996) 8) Increase in asset accumulation of Clients 9) Increase the level of education attainment of HH members especially children. 10) Improved Housing conditions of clients (100+ clients have built and improved their houses).
Qual é a sua expectativa de impacto para os próximos 5 anos?
Improved nutrition/ health of VSLA clients
Increase in asset accumulation of VSLA clients
Increased ability of women to address their own problems
Improved housing
Improved hygiene and sanitation of VSLA clients
Reduction in the levels of domestic violence
Reduction in the HIV/AIDS infections especially in fishing communities where the VSLA has helped to keep the fishermen busy- hence diverting them from prostitution etc
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
- Hard to reach areas- some poor people stay around the National park and wild animals are a threat - the organisation relies on motorcycles. We plan to gradually hire vehicle.
- Existence of few Micro finance organisations which exploit the few poor who attempt to access them. COVOID will always explain the uniqueness of the methodology and we have always succeeded. It is a barrier in new areas where people have not know the secret of the methodology
- Limited transport facilities- our officers have few Motorcycles. However we advise them to integrate support each other.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Recruit 100+ clients for VSLA, train VSLA groups in methodology and train 700 clients in planning and management of IGAs
Atividade 1
Mobilise funds to support the formation of new VSLA groups with 1000 clients
Atividade 2
Facilitate the Village Agent to quicken the formation of new VSLA groups with 1000 clients
Atividade 3
Deploy COVOID senior staff to train clients in SPM ( Selection planning and management of IGAs
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
Start VSLAs in Kiboga and Mitoma; Train VSLAs (tree planting, gender/gender based violence & sanitation
Atividade 1
Need to fundraise to raise funds to support scale up to new Districts
Atividade 2
Need to secure at least a reconditioned vehicle to assist in scale up of VSLA & monitoring old grps
Atividade 3
Need to organize fundraising to raise funds to start the process of office construction
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
COVOID as an organization embraces partnership. They says when we work in partnership, we in one way or another supplement our Uganda Government to realize MDG 8 of developing global partnership by the year 2015. Our partners include those who fund us and those with whom we share ideas on program improvement. Eg Stromme, McKnight Foundation (America), Care international etc
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
YES We are targeting fishermen in fishing communities- with backward beliefs such as “sleeping with a woman leads to a good catch of fish”-We are using VSLA methodology to change their mindset. Fishermen preoccupation is about women and alcoholism but now we are targeting them to be busy in VSLA meeting and involving them in IGAs.
Why-, To reduce HIV/AIDS infections among fishermen .prevalence is high 22% ) compared to District prevalence.
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
The operational environment in Western Uganda has been conducive making it possible for people to work hard. Except in Northern Uganda the environment is post conflict and also VSLA groups have been progressing. Factors
1) Staffing factors. We had committed staff
2) Retentions of staff
3) Expertise in the innovation- Management is lead by executive Director who has a lot of expertise in VSLA methodology
4) Good Governance structures committed to support the work of COVOID. We have a committed Board
5) Community support has been enormous- there is thirsty to fight poverty
6) Community leaders support has been good
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
Criado em 09/15/2012 por Voice of Grace Foundation Cameroon
VGF Bank of the Poor will work towards reducing poverty and enhancing livelihood for those of poor and vulnerable communities.
Organização: Voice of Grace Foundation Cameroon
mais ↓↑ ocultar↑ ocultarURL do Facebook
http//www.facebook.com/ndonwi.wilfred
Nome da Organização
Voice of Grace Foundation Cameroon
Página da organização na internet
Países onde este projeto vem gerando impacto social
Sua organização é
OSCIP/ONG
Há quanto tempo sua organização está em operação?
Entre 1 e 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Inicial (um piloto que começou recentemente)
Há quanto tempo está em funcionamento?
Em execução entre 1 e 5 anos
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso, Equidade.
A necessidade: Qual é o problema que você está tentando resolver?
The poor form a substantial large portion of the pyramid of every population that has been largely restricted access to financial services by financial institutions and suffer great exploitation from ‘private money lenders’This has render them helpless with no opportunity of advancing their ideas, improving their health nor even education their children. Hence, have resorted to force and early marriages of their daughters to secure bride price as a means of livelihood; indulging into into traditional practices like breast ironing, Female genital mutilation as means of securing fast income. In addition rural exodus is at the peak favouring prostitution , violence, increase crime wave and conurbation in the cities and contributing to the continue spread of HIV/AIDS.
A Solução: Qual é a sua solução? Seja específico!
The creation of microenterprise finance(MEF) for the poor women. This will permit the very poor , women groups, to gain revolving funds at little or no interest (rates <5% per annum) to finance their micro projects. This micro enterprise finance- termed ‘VGF Bank for the Poor’ will serve those excluded and so much in need. This will permit them to be able to save as low as 500frs = $1 a day through daliy mobile collection agents (Social Fund Collectors). This scheme is intended to raise their erratic disposable household income from 15%- 65% in one year. The scheme will enable them escape the ‘private bankers’exploitaion’ commonly known as ‘10 born 3’ which means for every 10,000frs borrow from them, one pays 3,000frs as interest (30%) that is 300frs is paid per 1,000frs; and 3,000frs for each 10,000frs. This is extracted from our baseline survey study; Poverty and Misery,( Ndonwi 2010). And increase of micro insurance to the poor which enables them to prepare for contingencies.
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
VGF Bank for the Poor is an initiative that has left a land mark from groups to individuals, we lend at money to those in need at 2.5% rate per anum. This has enabled many young adolescent mother start up small micro businesses, other have secured sowing machines and zigzag machines, and some grops have purchase for themselves grinding mills. All is aimed at promoting self employment at the rural based community. This is the lamp light we have introduced into our communities of intervention.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
Our main competitors are the existing microfinances, cooperatives credit unions, private money lenders who through their long existence guarantee the population that they can never wind up. Eventhough, they used this a check against us, we are still making it through because of the swiftness and non-complicated process in addressing the need of our audiences or target. The sceptical attitude of the population because of poor intervention of some of the civil society organisations or social enterprise with similar activity is our main challenge. But we have developed ways to cope and are winning the population confidence.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
The organization was started by Dr. Ndonwi Wilfred. Driven by the Director’s passion to assist single teenage mothers( youths) and women who often lack the opportunity to participate in life processes that affect their own life the organization was set up in fulfilment of this purpose. This was as a result of the untold misery and tattered appearance exhibited by the numerous rural and urban poor women population.(especially those discriminated against). This passion grew more when the Director within a day counseled forty-five(45) bartered and disfigured women by their rude less husbands.(victims of violence and assaults) , some , just for the fact that they requested for food money or hospital bills either for themselves or their children.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
The Voice of Grace Foundation Women Bank for the Poor which aims at reducing poverty and enhancing livelihood amongst rural and urban poor women, single teenage mothers and destitute youths through sustainable financial services as well as vocational and entrepreneurial skills training. Through the project, this VGF Women Bank Forthe Poor (micro-enterprise finance) will serve 22,100,000 women and 700,000 single teenage mothers as direct beneficiaries of the program.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Barreiras de acessibilidade física ou outros, que impedem as comunidades de usarem os serviços financeiros, A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas.
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
Single teenage mothers, destitute youths, girl child, rural and urban poor women.
A sua solução funcionaria em outras regiões? Se sim, onde?
Less developed countries should be the countries of replication as they all have similar characteristics/ problems.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
The only way to make poverty a history is to help the poor make money. Therefore, success will mean that economic dependence is decrease from 85% to 15% in three years, all can easily gain access to financial services at the most cheapest cost and convenient way, just economic in which the poor are greatly empowered for self development and advancement of their own communities.
O que tiveram que mudar para fazer isso acontecer?
Increased Resources (material and finances) is the only catalyst to achieving this.
Qual foi o impacto da sua solução até hoje?
In our 9months of operations we have demonstrated that the only handicap to goals attainment is finances. Through VGF Bank for the poor, we can evidently count up to 5,000 beneficiaries, 500 customers who have registered in the daily mobile collection, 1500 scale businesses, 50 micro enterprises launched with funds from us. This compelling statistics indicate that success is inevitable. The quality of the innovation is seen in the improved lifestyles of the population, family can now afford for basic, secondary and post secondary education, pay accommodation, improved health and afford for social facilities, some have acquired skills needed for employability. The quality of our service impact is inestimable.
Qual é a sua expectativa de impacto para os próximos 5 anos?
We envisioned that within the next three 03 years(2015) we would have empowered 8,100,000 women, 1,000,000 youths , 2,00,000 girls economically and on skill enhancement. This means by this year our program would have systematically improved the life of half the country’s total populations(50%) in all the eight areas of the millennium development goals.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
The main hindrance might be non available and adequate resources to enable us attain our goals. Therefore, fundraising(resource mobilisation) is one of the activity we must embark on to succeed.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Increase resource mobilisation, target beneficiaries and carry out impact assessment
Atividade 1
Fundraise to increase resource portfolio
Atividade 2
Make important contacts at local/int'l levels to raise partnerships/customer portfolios
Atividade 3
Reorganize and facilitate local workshops/seminars for informative purposes and advocacy
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
Gain global partnerships, see tangible impact of project participation and expand VGF services
Atividade 1
Achieve global network of collaborators
Atividade 2
Increase income level 15-45% for women in the project communities
Atividade 3
Launch VGF multipurpose training institute and cooperative house
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
Community Based organizations, Common initiative Groups, Self Help Groups, Women Empowerment Centres, Vocational Training and Employments institutions, Network of Allies with similar objectives, Donors looking for social entrepreneurs(Schwab Foundation, Starbuck Foundation, Ashonka, Exxonmobil), Youth Network Evaluation Fund, National Endowment Democracy, United Nation trust Voluntary fund for ending modern form of slavery.
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
Rural and urban poor communities of Cameroon not just a particular political class since poverty is not just a women issue but affecting all stakeholders. Women are the target due to the fact that they constitute the largest proportion of any given population. Our scope is international even though for now we are only at national level
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
We have a scheme that has an unbeatable advantage over all the microfinancial services. For example, our micro savings and micro insurance programs allow our clients or beneficiaries to register with five hundred francs which is less than $1 a day enabling the ultra poor to participate. Where as the other MFI has as minimum 10,000-15,000 FRS which the ultra poor savings for a year, thereby excluding them from benefiting from such services. With our minimum being $1we are able to make as many clients as possible help themselves, launch their micro programs, increase access to girl child, build and enhance capacity and skills on entrepreneurship.
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
We are researching a lot into ‘why’ poor people hardly break the cycle of poverty. We offer opportunity for individuals as well as groups to invest and donate or collaborate with us to support our mission.
Criado em 09/15/2012 por Brianr
WIZZIT - your bank in your pocket. Financial access for all. Banking the unbanked of the world. Making Economic Citizens for the World
Organização: WIZZIT
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
Países onde este projeto vem gerando impacto social
Sua organização é
OSCIP/ONG
Há quanto tempo sua organização está em operação?
Mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
>President Bill Clinton invitation to address the Clinton Global Initiative on the WIZZIT model as a means to bank a billion
>World Bank-International Best Practice model to bank the unbanked-IFC a 10% equity investment in WIZZIT
>CGap-Gates Foundation Grant
>Netexplorateur Grand Prix for Innovation awarded by the French Minister of Finance
>Top Three Innovative Banks in Africa-African Journal of Banking
>Runner up Stockholm Challenge for banking innovation
>Financial Times runner up in Emerging Markets-Banking at the Bottom of the Pyramid
>Only Bank and only South African company featured in Professor Porters "101 Innovations that shaped the world"
>Deputy Minister of Finance Jabulani Moleketi featured WIZZIT in speech in London
>Past Deputy President Pumzile Mlambo Ngcuka-having been told in Mexico that the best model to bank the unbanked is in fact in South Africa-WIZZIT
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Expandindo (o próximo passo é aumentar o impacto em escala local ou mesmo global)
Há quanto tempo está em funcionamento?
Em execução por mais de 5 anos
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
Acesso.
A necessidade: Qual é o problema que você está tentando resolver?
In the world today, 7 billion people, the World Bank estimates that 5 billion do not have access to financial services. It is very difficult if not impossible to become an economic citizen without access to even a simple bank account where money can be saved and simple transactions can be concluded. Increasingly the bottom of the pyramid are victims of crime because of their total dependence on cash. Traditional Banks have struggled to get the business model to work in servicing this segment of the market and the solution lies in “bringing the bank to the people” as against the traditional paradigm of getting the people to come to the bank.
A Solução: Qual é a sua solução? Seja específico!
The product offering is a fully functional transactional bank account that uses mobile phones for making real-time person-to-person payments, transfers and pre-paid purchases, and a “Maestro” branded debit card (MasterCard product) for making payments in the formal retail environment. (In Eastern Europe and some of the African countries we have launched with a Visa Electron debit card.)Financial inclusion we believe is a process and we launched with transactional banking and giving people a safe place to keep their money. Our vision was to increase our financial services offering in line with the needs of our market. This includes offering: Micro Insurance Savings products( study underway with possible launch late 2012), Personal Loans, MSME loans. (Micro and small enterprise lending).
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
WIZZIT has a vision to bank the unbanked of the world utilizing mobile technology. Commencing with transactional banking we are in a position to build and grow with our customers the full spectrum of financial services including access to loans/credit, savings and investment products as well as micro insurance. As part of our commitment to the financially excluded, we are busy piloting a Micro finance initiative aimed at providing finance to the SMME market. This has gone incredibly well in South Africa and we are ready to ramp this up and roll it out more aggressively. Not only does the SME benefit from access to finance but they in turn become agents of the WIZZIT bank accounts which they market to their customers and in doing so create a financial eco system.
Our vision is to use the South African market as a blue print and test bed for the WIZZIT model and then to take the proven models to other emerging markets. Our partners in these markets are banks and deposit taking micro finance institutions. The partner bank will offer the state of the art innovative Mobile Banking to their existing customers as well as taking the WIZZIT model and using this to gain access to an untapped market being the un and underbanked segment of the market. Using the traditional bank model of brick and mortar has proven to be too expensive to bring effective and affordable financial services to the financially excluded segment of the market.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
The space has become increasingly competitive and confused with enormous Hype not being supported by real meaningful results. Traditional banks are trying with Mobile Banking but the low margins do not meet their revenue expectations. Mobile Network Operators have certainly made the most noise and caused the most confusion. They are involved in mobile payments (primarily money transfer) and NOT Mobile Banking or financial inclusion. Increasingly there is Regulatory pressure on their model and modus operandi. The Card Associations with their global brand awareness, systems and standards it would appear that Visa and MasterCard are best poised to capitalise on Mobile Banking (with a financial inclusion focus.)
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
WIZZIT was created in early 2002 through a ‘challenge’ posed by Cyril Ramaphosa through a statement ‘you don’t know how difficult it is for the average South African to open a bank account’. This challenge was simply to find a workable solution to bank the unbanked. Cyril further stated that people cannot become economic citizens if they don’t start with a basic bank account. We strongly believe today that one of the pillars in reducing global poverty is to make economic citizens of all.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
WIZZIT’s business is the result of seven years of endeavour which includes three years’ research into the mass retail banking market around the world, with a focus on opening a bank account and finding a secure and efficient payment mechanism for the unbanked people of the World. WIZZIT has and will continue to provide social upliftment by empowering poorer people to interact financially through making financial services widely accessible and having proven its model in South Africa will actively expand globally. WIZZIT set up its own mobile development company, WIZZIT International, with a clear mandate to find a banking solution that would work on any cell phone and all SIM cards and was network agnostic. After intensive research, testing and analysis, WIZZIT was ready to launch in late
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Barreiras de acessibilidade física ou outros, que impedem as comunidades de usarem os serviços financeiros, A escassez de produtos financeiros acessíveis adaptados às necessidades de comunidades desfavorecidas e excluídas, Incentivos a prestadores de serviços financeiros para dinamizar o mercado.
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
The un and underbanked. Typically the more rurally based. The reasons for the high number of unbanked in the world are best summarised through what I have termed the 3 ‘A’s” – affordability, accessibility and availability. All of these have been addressed in this note. In a low margin business that is very price sensitive, one needs transactional volumes. To get to this requires significant time and costs in building trust and credibility. It also requires a need understanding of the needs of the market and traditional bank products that work for the affluent market may not have the same demand in the unbanked market.
A sua solução funcionaria em outras regiões? Se sim, onde?
Our focus is on emerging markets and we currently have live deployments in South Africa, Tanzania, Zambia, Rwanda, Botswana, Namibia, Romania with contracts in varying stages of finalisation in Latin and Central America and Africa. We have to date used South Africa as a test market for various concepts and products before taking them to our other partner banks.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
There will b a dramatic decrease in the worlds unbanked. We will have made strides towards a cashless society.
O que tiveram que mudar para fazer isso acontecer?
We require a collaborative effort between Banks, MNOs; Central Banks, Card Associations and Money Transfer organisations. We need a no frills universal/global bank account available to all.
Qual foi o impacto da sua solução até hoje?
To date, we through our partner banks have open accounts for close to 5 million people; processed 100 million transactions to the value of $20 billion. We have created employment opportunities for close to 10 000 previously unemployed people and in South Africa provided close to 5 000 Micro loans -both personal and micro and small business and pioneered disbursements and collections through mobile phones.
Qual é a sua expectativa de impacto para os próximos 5 anos?
To have launched in a further 10 countries; to have opened a further 5 million accounts; To provide viable small, medium and micro enterprises with comprehensive financing & business support services in the most profitable, quickest, creative and efficient way possible, using state of the art technology; To establish a profitable SMME Training Institute / Academy that will provide a variety of suitable, practical training courses, after-care services and mentorship interventions for entrepreneurs.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
The barriers include regulatory issues, competition, financial literacy, access to funding for the loan book. We continually work hard to build relationships with the Regulators and give freely of our time to participate in global forums and working groups such as FATF. I speak at global conferences (at no charge) promoting financial inclusion and increasingly gaining support for a universal/global no frills bank account; I network vigorously and build relationships with other thought and opinion leaders in the industry and continually try and get donor support for our financial literacy and Entrepreneurial training programmes.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
To have launched in at least 1 new country; to have secured a line of wholesale funding for the Micro loan business
Atividade 1
Finalise agreements with at least one bank
Atividade 2
Finalise the structure of the business to free me up to focus on global opportunities
Atividade 3
To have launched the merchant module as part of our Mobile Banking suite in at least one of our markets
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
To launch 3 more banks; progress on Universal bank account concept; ID and decide public listing or global partner
Atividade 1
To have signed agreements with three new banks in emerging markets: Africa, Central America and Latin America
Atividade 2
To take Universal/Global account to initial business plan stage
Atividade 3
To commence work on the listing of WIZZIT
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
Our partnerships are with banks in emerging markets, who share our passion for financial inclusion. Not only do we provide state of the art mobile banking technology but the ‘WIZZIT model” of banking the unbanked. We assist our bank partners with integration into the Mobile Network Operators (we have relationships with all of the world major MNO’s).
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
We are targetting emerging markets where there are high numbers of unabnkwd as well as high levels of mobile phone penetration.
Currently we are in 7 Countries and we are close to finalising deals in Nigeria as well as Argentina, and through a distribution partner the Countries of Central America. We have also targetted Peru where I will be presenting our innovative model around banking the unbanked and have submitted a proposal in response to a RFP for the installation of our model and technology in Madagascar
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
In our global expansion model we partner with existing banks, ideally one of the tops 5 banks within a country. Above all else, the partner bank has the vision, passion and enthusiasm around financial inclusion that we have. They would typically appoint a dedicated team within the bank to drive the initiative and this is often set up as a separate operating division. We assist the banks in establishing relationships with the Mobile Network Operators within the country and integrate our mobile banking into the banks core banking system as well as into the MNO. For this we end up working with the Bank's IT resources. We also present our model and system to the Bank Regulator and have always gained their support. We work with the Marketing and strategy divisions of the bank in every aspect.
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
As mentioned we are actively looking for wholesale funding to fund and support our loan book. We are further looking for donor/grant assistance in running our College of Entrepreneurship and programmes of financial literacy.
Criado em 09/15/2012 por Indrani
Wasil foundation is an Microfinance organization, working with the vision of economic empowerment through Shariah Complaint Microfinance.
Organização: WASIL FOUNDATION
mais ↓↑ ocultar↑ ocultarPágina da organização na internet
Países onde este projeto vem gerando impacto social
Sua organização é
OSCIP/ONG
Há quanto tempo sua organização está em operação?
Mais de 5 anos
A organização recebeu algum prêmio ou reconhecimento público? Por favor, conte-nos mais detalhes
a. 7th Citi PPAF Micro Entreprenurship Award to borrower of Wasil Foundation.
b. Top 5 of Global Islamic Microfinance Challenge 2010 by CGAP
c. Silver Award in Reporting on Social Indicators to MIX Market
d. Certification of Internal Governance, Financial Management & Program Delivery by PCP (Pakistan Centre for Philanthropy
e. National Citi Microfinance Awards 2007 by PPAF & Citi foundation to borrower of CWCD
As informações que você fornecer aqui serão usadas para preencher todas as partes do seu perfil deixadas em branco, como interesses, informação da organização e website. Nenhuma informação do contato será tornada pública. Por favor, desmarque aqui se você não deseja que isso aconteça..
leia mais↓↑ ocultar↑ ocultarSelecione o estágio que melhor se aplica à solução
Ideia (você está para lançar)
Há quanto tempo está em funcionamento?
Em execução entre 1 e 5 anos
Qual(is) item(ns) abaixo descreve(m) melhor a(s) barreira(s) que sua inovação soluciona? Escolha até dois itens.
A necessidade: Qual é o problema que você está tentando resolver?
44% of the microfinance borrower live in Muslim Countries. 72% of Muslim population do not opt for Intrest based financial transaction. Pakistan, having a population of over 180 million with over 95% Muslim Population, of which 40% live below poverty line is subject to a high number of financially excluded people. Other than the reason of being poor, a large percentage of the total population stays excluded due to their Islamic Beliefs which prohibit Interest. Thereby, these individuals refrain from dealing any microfinance organization that offers Conventional (interest based) services hence missing out on necessary financial services.
A Solução: Qual é a sua solução? Seja específico!
The solution is based on the concept of Shariah law and its implementation in the real sense. According to Shariah, an interest based loan is prohibited with strict repercussions if one chooses to offer or take such a loan, however, an alternate of trading is permitted whereby a person may enter into credit purchase or credit sale of a specific commodity. Therefore, the Islamic Financial models are all based on the purchase and sale of a specific commodity.
At Wasil Foundation we the below “Sale and Purchase Model”
The proposed solution is also based on the same concept with the difference of offering a sale & purchase outlet where the clients would be offered products rather than entering into an agency agreement, wherein the client buys the products from a vendor and submits the receipts of such purchase, which apparently looks like a normal lending transaction.
O Modelo: Demonstre através de um exemplo específico como sua solução faz a diferença; inclua suas atividades primárias
The model depicts multiple transactions and multiple sources which would enable to cover the complete requirements of any microfinance client. This model is centralized around the retail outlet which would act as a sale spot, holding area and would also be responsible for the verification, screening and referral of clients to head office for approval of disbursements.
The retail outlet would hold grocery items for sale to the clients. These items would be sold on Musawama (cash/spot payment) or Murabaha (deferred/installment) basis. The client would be offered to select the items that he/she wants to purchase and then would be asked if he/she would be paying for the items selected in cash or would like to go for a deferred payment plan. If the client wishes to opt for the deferred payment plan, he/she would be offered the deferred tenure ranging from 8 hours up to a maximum of 15 months. The profit to be charged, in accordance to each time duration would also be told to the client in amounts and the goods would be handed over along with a deferred/installment payment schedule.
A special counter would also be established where the clients would be able to submit their own demands for the products required. This product would be focused on clients who are in the transportation business. The outlet would analyze the client and then put up a request for purchase of the vehicle (mostly motorbikes and rickshaws) to the procurement department which would purchase and deliver the vehicle at the retail outlet.
O Mercado: Quem são os seus pares e concorrentes? Identificar os outros que também estão trabalhando para solucionar as mesmas necessidades que você e o que você faz de diferente em relação a eles. Quais seriam os desafios impostos por esses concorrentes que impactariam no seu sucesso ou crescimento?
The main direct competitors are the microfinance organizations working in the country which include the MFIs (Microfinance Institutions) as well as MFBs (Microfinance Banks). However, these organizations mostly offer conventional microfinance solutions extending loans on interest to the borrowers. Apart from these, Qarz e Hasna (interest free loan) is also offered by 01 organization working in the areas targeted by Wasil Foundation. These interest free loans, however, are of nominal amounts ranging up to a maximum of PKR 30,000 due to which the target customers of Wasil would not opt for these loans. The main difference of the conventional microfinance lenders and Wasil Foundation is the mode of delivery of the facility.
Temas relacionados à inscrição
leia mais↓↑ ocultar↑ ocultarHistória: Queremos saber mais sobre o momento de descoberta desta solução. Conte-nos um pouco a história sobre onde e quando o(s) fundador(res) vislumbrou(aram) o potencial desta solução para mudar o mundo:
While looking at the conventional microfinance in Pakistan and Bangladesh including the Grameen Model as implemented in Pakistan, it was evident that the credit was being utilized as merely a source of fulfilling the consumption needs of the clients. These clients would acquire loans from the Microfinance Institutions and utilize them for fulfilling needs that would in turn further reduce their capacity to pay their debts thus result in the clients acquiring further loans in order to pay previous loans and further increasing poverty rather than alleviation of poverty.
While practicing the Islamic Microfinance products, where the products were sold and delivered rather than handing out money in the form of loans, clear evidence was presented that the goods sold were being used in the customer’s enterprises hence generating income, thereby increasing the capacity to pay their debts.
Descreva a meta da sua iniciativa; fale sobre o que você está tentando alcançar.
The main goal of the initiative is the economic empowerment of the underprivileged by way of offering financial services in a manner which would be readily acceptable to the target customers. The solution is based on offering Shariah Compliant financial services in order to mitigate the issue that pertains to interest bearing loans within a Muslim society.
Furthermore, this solution is closer to the current practise that the customers adopt i.e. of obtaining credit on short terms from whole sellers. The solution herein offers a larger credit period with the provision of multiple products at the same vicinity.
Quais são os obstáculos da inclusão financeira que sua solução procura resolver? (Selecione todos que fizerem sentido)
Outros (especifique abaixo).
Se você selecionou 'outro' acima, especificar quais outros obstáculos da inclusão financeira que sua solução procura resolver:
The solution addresses the problem that exists in most Muslim majority countries, where the financial services are not availed.
Para quais comunidades desfavorecidas ou excluídas sua solução vai oferecer acesso a serviços financeiros de forma segura, abrangente e adaptada às necessidades daquelas comunidades? Qual é a sua expectativa de impacto para os próximos 1 - 3 anos?
The solution is primarily aimed at the rural communities of Pakistan which are currently the most underserved within the country. The solution, therefore, offers solutions for; farmers (under Salam) along with for landless farmers (under Master Salam i.e. Salam + Ijara), small shop keepers & dairy farmers/livestock sellers (under Murabaha), daily workers (consumption need product under musawama 8hous credit), transporters (under diminishing Musharaka)
A sua solução funcionaria em outras regiões? Se sim, onde?
The solution would be able to work in any geographical location with minor adjustments to the products offered. For example, if the solution is offered in an urban environment where there is no farming or dairy farming, the components of Salam and Murabaha for dairy farming can be omitted and emphasis can be made on retail products i.e. grocery items and transportation vehicles.
Similarly, with minor tweaking, the solution can be adopted into any given environment within the world whether it is a Muslim majority country or not.
Se a sua solução for muito bem sucedida, o que será diferente em 10 anos?
O que tiveram que mudar para fazer isso acontecer?
With the dramatic success of the project, higher competition would arise as other organizations would adopt the same model, therefore, further innovation would be a continuous necessity. For this, the organization has in place a qualified Shariah Advisor and is in process of finalizing the Shariah Board.
Qual foi o impacto da sua solução até hoje?
The solution is currently in idea phase, however, Wasil Foundation has been working in Islamic Microfinance for over 04 years with exceptional results. The products proposed under the solution have all been tested by the organization, but through branches and by procurement by external vendors.
This solution would entail the organization to keep and offer stock to the customers and thereby transfer discounts availed through bulk purchase as well as offering a wide variety of services under the same roof.
Qual é a sua expectativa de impacto para os próximos 5 anos?
The projected impact of the solution would be the increase in income of the customers served which would thereby result in an increase in the overall economical conditions of the country.
The solution aims at targeting 5000 clients per year disbursing an amount of around PKR 25 million ($2.63 million) per year. This amount would then be recovered and revolved in due time for future clients.
The impact of the solution can be divided into product wise categories in accordance to the average amount of facility provided and the average duration of repayment of the facility.
Quais são as barreiras que podem impedir o sucesso do seu projeto? Como você planeja superá-las?
Unavailability of Funds:
Obtaining funds for the development of infrastructure for the solution is essential.
Keeping of herd of 50 cows/buffalos
Maintaining a herd of 50 cows requires expertise in dairy farming. Along with this it is essential that the cattle be regularly checked by a veterinary doctor.
Stock keeping
In order to maintain a stock of the grocery items, a complete stock of the inventory of the retail outlet has to be maintained and there is a risk of theft or fire within the retail outlet.
Market Risk
Marketing risk mainly encompasses; Reputational Risk and Competitor Risk.
Credit Risk
As in any lending methodology, credit risk exists in every model.
As inscrições vencedoras apresentam um plano sólido sobre como vão alcançar e acompanhar o crescimento do projeto. Identifique as metas de seis meses para aumentar seu impacto.
Within six month of the launch of the project, the outlet would be fully established and would be achieving a steadily increasin
Atividade 1
the focus would be on establishing infrastructure and procurement of goods
Atividade 2
Marketing campaign to spread awareness about the model
Atividade 3
the disbursements would be started, offering all products listed in the model.
Agora pense grande! Identifique qual seria sua meta de impacto para 12 meses
Within 12 months of the launch of the project, Wasil Foundation would have successfully served over 5000 customers.
Atividade 1
acquire funding for the implementation and up scaling of the solution
Atividade 2
A thorough marketing strategy will ensure that the brand name of Wasil Foundation
Atividade 3
the model of Wasil Foundation would be explained to the potential customers.
leia mais↓↑ ocultar↑ ocultarPor favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação
Atualmente você planeja atender outros locais, mercados e populações específicas com sua inovação? Se sim, onde e por quê?
• We would be targeting the rural and semi urban community in the Punjab Province of Pakistan. The products are designed for the low income level farmers / merchandisers. As we already work with this community so we are the firm believers that with the help of this project we can enhance the income level of such community
Que tipo de ambiente operacional e fatores da organização interna ajudarão o projeto a ser bem sucedido?
• Our strong system of internal controls, regular audit function, requirement of the community, prior experience in the similar community, well established policies and procedures will be key driving forces of environment / organization that will make our product successful.
Fale mais sobre as necessidades ou ofertas que você selecionou anteriormente e/ou sugira categorias de apoio que não foram listadas
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