Please describe the goal of your initiative; outline what you are trying to achieve
We are expecting that scavengers will have stable income from their activities, social participation, and business relationship, so that make a better family life of scavengers in Yogyakarta. This goal can be considered as similar to cooperative’s goal of which all members are expected to actively participated in both organization and entrepreneurship area. This organization benefits scavengers for raising bargaining power on this business even though they are at the bottom level of pyramid of waste recycling process. Moreover, trade between scavengers and both up and down link can be fair and competitive. We are trying to minimize the environment issues (sanitation, waste, water, etc.) by creating a micro-finance system for waste recycling in the long-run.
Which barrier(s) to financial inclusion does your solution seek to address? (select all applicable)
Physical and other accessibility obstacles that prevent communities from reaching financial services, The lack of affordable financial products tailored to the needs of underserved and excluded communities,.
If you selected 'other' above, please specify which other barriers to financial inclusion you solution seeks to address:
For which underserved or excluded communities will your solution create access to valuable, affordable, secure and comprehensive financial services?
We are trying to give an access for scavengers in Yogyakarta, especially for the lower income group of scavengers.
Could your solution work in other geographies or regions? If so, where?
This solution can be applied in other geographies area according to needs of waste recycling. As stated before, this model is similar to cooperative system which is popular in Indonesia. In other side, waste problem is a main issues for almost city ini Indonesia, so you will meet pemulung working in there.
If your solution is dramatically successful, how will things be different in 10 years?
Focus of this project is on economy, social and especially environment for a better life of scavengers. This organization contributes on raising social status of scavengers in society if they become a success entrepreneur. Then, a better life for scavengers will be achieved which is better education for their child and better health care. In the broader aspect, we are expecting that waste recycling process can be an established enterprise Indonesia and Pemulung is main actor for whole waste recycling process. The end of pipe for those activities is better environment for next urban condition that must be more challenging for people.
What will have had to have changed to make this happen?
Scavengers in Indonesia usually work individually in waste collecting process and it is not effective since they are not organized as well. It affects on their income level because they have a high transportation cost in collecting waste. This mindset should be changed for an effective work by organizing them so all information can be shared for all scavengers in organization.
Perfect information and awareness of better life are keywords for organization vision. Hence, organizing scavengers will be the first step of our project before financial services is about to be shared among members. We will use a culture approach to scavengers and it may take a personal communication in the process of creating database. Then, family income, health care, and good education will be shared among member.
What has been the impact of your solution to date?
Several million waste pickers worldwide play a significant role for recycling waste and run a profitable small business. Based on researches in some developing countries (Africa, Asia, Latin) formalization of scavenging can promote grassroots development, empowerment, poverty reduction, as well as protect the environment and improve industrial competitiveness. According to that, now it is the best time to begin a significant activity that can overcome environmental and economic problem simultaneously.
What is your projected impact over the next five years?
We try to raise the income of over 500 families, to be able to manage their income, get a better education for their children and have a saving to ensure healthcare.
What barriers might hinder the success of your project? How do you plan to overcome them?
Rejection from” the boss” of scavengers, it is usually the small scrap dealers who buy the recyclable materials directly from scavengers. It is because of psychological feeling of fear if they will compete with the scavenger. So, we will try to participate them first and convince them that they and scavengers are beneficial partner.
Winning entries present a strong plan for how they will achieve and track growth. Identify your six-month milestone for growing your impact
Creating the scavengers organization by collecting their data and making it legal and professionally management
Now think bigger! Identify your 12-month impact milestone
Running all concepts of organization (enterprises and financial services) by both members and research team. Month 1 : Explaini