Moradia para famílias de baixa renda (Délhi)
Esta inscrição foi selecionada como finalista no desafio
Direitos Territoriais: Identidade, Dignidade & Oportunidade para Todos .
Facilitar o acesso à moradia segura e de qualidade através de financiamento e documentos acessíveis e desenho técnico. As famílias de baixa renda e em situação de pobrezas são assentadas pelo governo pós despejo das favelas e minúsculos terrenos vazios nos subúrbios são oferecidos e das quais possuem títulos obscuros. Incapazes de amortizar a hipoteca, eles não têm acesso ao crédito à habitação ou apoio técnico resultando em estruturas inseguras e condições de vida precárias.
Sobre você
Sobre você
Nome
Rakhi
Sobrenome
Mehra
Página na internet
N/A
Organização
País
Índia, DL
Sobre sua organização
Nome da organização
micro Home Solutions
Página da organização na internet
Telefone da organização
41435165
Endereço da organização
New Delhi
Sua organização é
OSC/ONG
País da organização
Índia
Sua ideia
Nome do projeto
Moradia para famílias de baixa renda (Délhi)
País onde o seu trabalho tem foco de atuação
Índia, DL
Descreva seu projeto
Facilitar o acesso à moradia segura e de qualidade através de financiamento e documentos acessíveis e desenho técnico. As famílias de baixa renda e em situação de pobrezas são assentadas pelo governo pós despejo das favelas e minúsculos terrenos vazios nos subúrbios são oferecidos e das quais possuem títulos obscuros. Incapazes de amortizar a hipoteca, eles não têm acesso ao crédito à habitação ou apoio técnico resultando em estruturas inseguras e condições de vida precárias.
URL do website
Inovação
O que há de especial na sua ideia ? Qual o seu diferencial?
Our idea is unique in that it does not focus on attaining property rights for slum households, but on security of tenure that makes safe & quality shelter and housing accessible to poor and low income households.
Our project in home improvement is aimed at innovative product design making current documentation on housing i.e ' possession slips', acceptable for bankable loans so people can invest in home improvements and construct safer structures, bathrooms, roofs, kitchens & ventilated spaces etc. The 40 million+ housing deficit in India can not be addressed giving free housing ownership & titles. Households have varied shelter needs based on livelihood,family status, mobility, income and require security of shelter- be it for rental housing, homeless shelters, home-improvement opportunities; or ownership. Fighting for ownership for eligible slum households, unfortunately provides free & unequal benefit to too few based on arbitrary selection criteria set by policy makers.
O seu projeto é patenteado?
Impacto
Temas relacionados à inscrição
Quais foram os impactos sociais gerados por seu projeto até o momento?
The social impact we aim to achieve is to see urban low-income households with access to security of tenure- safe housing and shelter. The concept has the potential to reach over 1 million households in Delhi itself that require large amounts of finance and technical assistance. One of our customers is Laxmi, a microfinance client who 20 years ago got alloted a 220 sqf plot after being evicted from a slum in Delhi. She and her family are still living in temporary structure with a leaking roof and no bathroom. She and her daughter (7 years) have to bathe early in the house, and go to the public bathroom. Leakages, tin roof, no kitchen cause many health concerns. She required Rs 1.25 lakhs (USD 2,800) to strengthen and improve her current structure. She has a utensil business and her husband is a gardener, together they can service the installment loan, but can't meet the usurious rate of the moneylender. Innovatively product design using the possession documents enables her to access loan and technical assistance from micro home solutions.
Problema
Government development resettlement colonies in Delhi are haphazardly built into large low income ghettos. Household are today only able to finance construction through informal money lending sources due to lack of mortgage documents- at rates as high as 10% per month. It results in the circle of debt, many often end up losing possession of the house to the moneylender.
Ações
1. Understanding the current status of housing, documentation and upgradation need
2. Providing technical design assistance to households through appropriate architecture and engineering inputs to design safer housing
3. Dialouging with policy makers on slum rehabiltiation policy- providing home-ownership vis security of shelter/tenure: looking at our shelter options such as rental housing, lease-purchase, homless shelter at affordable user-fee rates
Resultados
1. Facilitated financial institutions to accept possession documents for housing loans upto USD 7,000 (Rs 3 lakhs) for home construction and improvement- currently 20 units of 250 square feet each are under construction.
O que será necessário para que seu projeto seja bem sucedido ao longo dos próximos 3 anos? Descreva cada ano separadamente, se possível
(até 300 palavras)
O que impediria seu projeto de ter êxito?
Through our work, project and dialogue with local and central government, we aim to influence the Slum Free India by 2014 policy of the Indian government which focuses on free home-ownership to elgibile slum dwellers and providing 5-15 year license agreements (to avoid selling). Unfortunately these licenses don't give the poor household ability to leverage their assets for accessing other services- for e.g education loans, housing finance etc. As a result an informal gray market develops, where the licenses are traded/sold on para-legal documentation and government in unable to monitor or revoke licenses.
By allowing for rightly priced fees/charges from low income groups (at 30% of income) and desiging innovative solutions; households can either become rightful owners of property overtime or at the very least, get security of tenure through formal rental housing options that are non existent in cities.
Quantas pessoas, por ano, serão beneficiadas por sua inovação?
Menos de 100
Qual é a renda média das famílias na comunidade beneficiada por sua inovação, em US$?
Menos de US$50
A sua inovação busca influenciar políticas públicas?
Em caso positivo, como?
(até 250 palavras)
Sustentabilidade
Em que fase está seu projeto/inovação?
Em qual país?
Seu projeto está vinculado a uma organização estabelecida?
Se sim, mencione o nome da organização
Há quanto tempo a organização iniciou suas atividades?
Menos de 1 ano
Sua organização possui Conselho Diretor ou Conselho Consultivo?
Sua organização possui alguma parceria não financeira com OSCs?
Sua organização possui alguma parceria não financeira com empresas?
Sua organização possui alguma parceria não financeira com o governo?
Por favor, explique de que forma o estabelecimento de parcerias é importante para o sucesso de sua inovação.
Partnerships are critical for our work on urban housing and designing the initiatives. We work closely with local NGOs on community mobilization and participation. We're partnership with material suppliers on construction methodology that can be adopted by labour intensive construction processes; and partnership with local government and muncipalities on home-improvement, legality of settlements, provision of basic services. We also partner with like minded institution on issue of slum rehabiltation meeasure and debate on property rights.
Quais são as 3 ações mais importantes para ampliar sua iniciativa ou organização?
At optimum capacity, our revenue model is a fee for service model paid by the end customer (household) and the partnership fee paid by the financiing institution. However since this requires large number to break-even, we've recently received an assignment from the Michael and Susan Dell Foundation to support the next 8 months of pilot research & development & Ford Foundation supported mHS in our initial travel costs.
Sua história
Descreva o momento definidor que o(a) levou a criar esse projeto/essa inovação?
We work in areas of social housing grappling with question of demand and supply of low income housing in cities and access to finance. During our field visits with different local NGOs to informal settlements, we saw lots of construction activity taking place, households were growing vertically. Through interviews we learnt that households (earning ~ USD 200), unable to mortgage documents, where borrowing at over 5% per month to finance construction to accomodate either family expansion (son recently married); or for additional income (rental). The house construction was unsafe, not regulated or monitored. We saw an opportunity to influence the construction & quality standards; and provide access to cheaper financing. We see that for additional supply of housing for poor, a large segment will be supplied from these informal settlements that are growing at over 5% a year.
Conte-nos sobre a pessoa – o(a) inovador(a) social – que está por trás dessa ideia
The two co-founders are a husband and wife team (Marco and Rakhi) that set-up micro home solutions as a social enterprise with complementary skill-sets. Marco is an architect graduated in Italy with work experience in Italy, Singapre, Tanzania, USA with passion for sustainable design and architecture.
Rakhi a resident of Delhi (India) has worked in international development for over 7 years, comes with experience in designing low income enterprise solutions ( microfinance, agri-business) has a B.A in economics from St. Stephen's, Oxford University and recently completed her MBA from Harvard Business School.
They believe that inter-dsciplinary skil debate, discussion and projects are required for community based sustainable urban development.
Como soube do Changemakers?
Ferramenta de busca na internet (Ex. Google ou Yahoo)
Se foi por meio de outra fonte de informação, por favor, mencione qual
Working with Ashoka Fellows
Questões adicionais
Quais das seguintes estratégias se aplicam à sua organização ou empresa? (selecione todas as opções válidas)
Por favor, explique como seu trabalho contribui para o avanço de uma ou mais das estratégias acima. (caso você tenha selecionado a opção “outras”, por favor explique a sua estratégia)
(até 50 palavras)
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