Social franchising for development of sustainable housing at the bottom of the pyramid

Congratulations! This Entry has been selected as a finalist.

Social franchising for development of sustainable housing at the bottom of the pyramid

México
Tipo de organização: 
Com fins lucrativos
Orçamento: 
$1 million - $5 million
Resumo do projeto
Pitch de Elevador (Explicação curta e direta)

Resumo conciso: Ajude-nos a lançar esta solução! Forneça uma explicação dentro de 3-4 frases curtas.

Franquia social para o desenvolvimento de habitações sustentáveis para a base da pirâmide. ¡Echale um tu casa! promove uma habitação construída auto-sustentável para a base da pirâmide através da inclusão social. Neste modelo comunitário de franquia social, as famílias desenvolvem o empreendedorismo, formam uma organização social, recebem formação em contabilidade, administração e técnico, máquinas de produção, design participativo, sistema de construção ecológico, supervisão técnica, financiamento e educação financeira, com a integração de um fundo de garantia de poupança . O resultado para essas famílias é um patrimônio e uma habitação sustentável. O benefício social para os franqueados é: uma associação com o fundo de garantia de possuir uma indústria de construção de micro-e replicar o

SOBRE O PROJETO

Problema: Este projeto busca solucionar qual problema?

Benefit families whose monthly income is less than USD $ 600 who do not have access decent housing. This target population in Mexico is 25 million. Currently there are government programs that provide assistance or building materials. Likewise, there are financial intermediaries that provide credit to the self builder to high interest rates (80% annually). None of these forms succeeds in building a home for those in need.

Solução: Qual é a solução proposta? Por favor, seja específico!

In Mexico, the housing shortage affects 4.2 million families which as a consequence live in cardboard sheet houses. The target population includes families with monthly incomes of $ 600 or less. Historically, the government and development banks have been able to provide capital funds aimed at corporate finance mass housing construction. The capital requirements necessary for a social enterprise dedicated to the “ Producción Social de Vivienda Asistida” gains access to financial funds is very difficult to achieve, thereby leaving a gap impossible to fill to provide financing and technology to homeless families. Therefore efforts should be made to develop a model of leveraging the savings of families who participate in assisting themselves. This means the democratization of technology and financial assets to provide opportunity to have decent housing to all homeless families. This historic change in providing a financial asset to the neediest families to be achieved through four key pillars: social inclusion, training, finance and technology. The hallmark of ¡Échale a tu casa!, is that it trains and supports communities to rebuild the social fabric through technology for housing and self-association of the beneficiaries to a community finance in order to integrate a guarantee fund which is used as collateral to obtain financing.
Impact: How does it Work

Exemplo: Compartilhe um exemplo específico de como essa solução faz a diferença, inclua situações práticas.

The program's success is based on the whole family being involved in the self-assisted home, which in turn is part of a social franchise. Thus, in addition to building a home, they have a technical and socio-economic program. The sustainability of the program is based on the fields: - Environmental: Building a “green home ecoterm wall”, biomass, recovering rainwater, gray water filtration, solar heater, saving energy and saving stoves (Patsari). A sustainable housing creates a sustainable habitat. - Social. The community housing will be co-designed with community members, thereby re-structuring social fabric. The complex sustainable housing generates a sustainable society. - Economic. The main purpose of ¡Échale a tu casa!, is the economic development of families and therefore of the community. People who participate will receive a payment for the production and construction materials of their homes. A sustainable family economy generates a sustainable national economy. All sustainable housing program ¡Échale a tu casa!, are built according to the guidelines of the UN. The way to measure success is by measuring the amount of homes being built. They have built more than 25 000 households with the participation of thousands of families.
Sobre Você
Organização:
Ecoblock International, S.A. de C.V. SOFOM ENR
Sobre Você
Nome

Francesco

Sobrenome

Piazzesi

Sobre Sua Organização
Nome da Organização

Ecoblock International, S.A. de C.V. SOFOM ENR

Telefone da organização

(52) 5555635200

Endereço da organização

Av. Revolución 793, Col. Nonoalco. México, D.F. 03700

País da organização

, DIF

Países onde este projeto vem gerando impacto social

, MEX

Há quanto tempo sua organização está em operação?

Mais de 5 anos

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..

INOVAÇÃO
Em que estágio está seu projeto?

Em execução por mais de 5 anos

Compartilhe a história do(a) fundador(a) e o que o(a) inspirou a iniciar este projeto

Imagine a room with a dirt floor sleeping nine or ten people. What can you expect of life a girl of 14 who does not know if she sleeps on the side is her husband, brother or friend of you’re her uncle? The overcrowding and promiscuity are the cancer of the formation of our youth. We cannot speak of a fair country when in Mexico 4.2 million families live in overcrowded houses or live in precarious materials (cardboard sheet houses.)
Speaking of individual figures, 25 million people or nearly one fifth of the population in Mexico has no access to housing, that being the population sector that has a family income of the socioeconomic level of $ 120 to $ 600. This sector of the population uses 30% of its resources to build their own housing. Such payment does not contribute to the income of the family, as used in maintenance and repairs such as changing sheets of cardboard, leaky faucets, among others. The lack of financing and technical assistance resulting in a process with no planning, poor quality, high waste, high costs and a long completion time of between 10 and 15 years.
My motivation lies in reversing the process by supporting families to have decent housing today and hence, this effort is the engine to participate in economic and social development staff, family and his country.

IMPACTO SOCIAL
Quantas pessoas foram impactadas por seu projeto?

> 10.000

Quantas pessoas poderão ser impactadas por seu projeto nos próximos três anos?

> 10.000

Quais são as barreiras que podem dificultar o sucesso de seu projeto e como pretende superá-las?

The major barrier is the cost of financing. The target population has difficulty access credit. If they do succeed, the rate is over 80% annually. Reducing the interest rate allows for the construction of a greater number of households. The tool to overcome this obstacle are the Social Franchise which, being “non for profit”, gives access to thousands of families to credit. The solution is to integrate stakeholder groups-savers in the target communities. Savings, training and technology allow for the replication of the program to all communities in the country.

Como seu projeto se expandirá ao longo dos próximos três anos?

Échale a tu casa! Each social franchise is capable of building 250 homes and 1,000 annual housing improvements. In the next 3 years it will develop 300 social franchising. The cumulative result at the end of the third year will be 450 thousand homes built and 1.8 million housing improvements.

SUSTENTABILIDADE
Para cada item selecionado, por favor, detalhe o apoio financeiro e não-financeiro recebido.

-Individuals: Members of the community, associated with the Social Franchise providing down payment savings of your home. These savings make the franchise partners. These savings include the guarantee fund to access funding from other sources.
- Foundations: Request a zero rate loan or covering the rate of inflation. These are sources of financing who are covering their loan paid back the value of money over time.
-Businesses: We have agreements for preferential prices and credit in industrial materials (cement, rod, water tanks, etc.).
-Regional Government: We negotiated with them building permits and improvements to community infrastructure such as potable water, streets, lighting, lighting, drainage.
-National Government: The national development bank requires capitalization or a guarantee fund to gain access to additional funding. With this guarantee fund of the community, they have access to these funding sources.

Como você planeja crescer ou diversificar sua base de apoio nos próximos três anos?

- The base of support of ¡Échale a tu casa!, is the number of people who are integrated into the social franchise;
- The greater number of partners, the greater the guarantee fund. This is the capital of the company;
- Diversifying the sources of funding which can be accessed as an endorsement giving the guarantee fund;
- The more powerful the background, greater diversification of funding;
- Through the 300 social franchising in the next 3 years will add 450 thousand families in the program. This creates a fund of $ 17 million;
- Collaboration

COLABORAÇÃO
Por favor, selecione as áreas de intervenção no mercado de melhoria de moradias

Financiamento, Design, Tecnologia, Assistência técnica, Trabalho, Saneamento, Infra-estrutura, Conservação de energia, Habitações verdes, Meio ambiente, Geração de renda, Desenvolvimento urbano, Desenvolvimento rural, Participação cidadã/comunitária.

Sua inovação busca solucionar desafios no mercado de melhoria de moradias/habitação progressiva? Em caso positivo, por favor descreva em detalhes os mecanismos desta intervenção.

There is no family that does not dream of having their own home as a grand palace. However, the financial reality prevents them from building this grand palace in a single step. Progressive housing provides the family with adequate housing solution in the beginning and will grow according to the needs of each family, in a harmonious way. Since the beginning, the house is co-designed with the community considering the various requirements necessary to meet the future needs of the family. Progressive housing is designed from the initial unit. This prevents uneven growth that demerits the functionality of housing and the equity. In the process of assisted self-production, as in the progressive construction, there is always place for advice and supervision.

Você tem atualmente alguma colaboração com empresas privadas ou teve alguma colaboração com empresas privadas no passado? Com quais empresas?

-New Ventures México.
-Angel Venture México.
-Proveedores Mexalit (Grupo Elementia), Rotoplas, Grupo GMI, Cementeras (CEMEX, APASCO, Cruz Azul, Moctezuma), COMEX, De Acero:
-Asociación Mexicana de Uniones de Crédito del Sector Social (AMUCSS)
-Fundación Azteca
-"New Ventures Mexico. Business Accelerator. We have provided a network of mentors who have helped to structure the program and its escalation.
-Angel Venture Mexico. Business Accelerator. Achievement of social capital for the company's financial strength.
"Vendors such as: Mexalit (Group Elementi). Rotoplas. GMI Group, Cement (CEMEX, Apasco, Cruz Azul, Moctezuma), COMEX, Steel: We have cooperation agreements dealer for pricing and to reach communities industrialized materials at preferential prices.
"Unions Mexican Association of Social Sector Credit (AMUCSS). In Mexico, all popular forms of finance should be associated with a federation that has oversight of the National Banking and Securities Commission (NBSC). We conducted a strategic alliance in order to make AMUCSS, the Community Credit Union, properly regulated.
-Fundación Azteca. Housing Commission are presided by the National Committee for Sustainable Rural Cities Foundation headed by Azteca, ACSelect the unit(s) with which the partnership was established.
Corporate social responsibility department, Marketing department.

Por favor, descreva em detalhes a natureza de sua(s) parceria(s)

-New Ventures México. Aceleradora de empresas. Nos ha proporcionado una red de mentores quienes han colaborado para la estructuración del programa y su escalamiento.
-Angel Venture México. Aceleradora de empresas. Consecución de capital social para el fortalecimiento financiero de la empresa.
-Proveedores como: Mexalit (Grupo Elementia). Rotoplas. Grupo GMI, Cementeras (CEMEX, APASCO, Cruz Azul, Moctezuma), COMEX, De Acero: Contamos con convenios de colaboración para obtener precios de distribuidor y hacer llegar a las comunidades los materiales industrializados a precios preferenciales.
-Asociación Mexicana de Uniones de Crédito del Sector Social (AMUCSS). En México, toda forma de finanzas populares deben estar asociadas a una federación que cuente con la supervisión de la Comisión Nacional Bancaria y de Valores (CNBV). Realizamos una alianza estratégica con AMUCSS con la finalidad que la Sociedad Financiera Comunitaria estén debidamente reguladas.
-Fundación Azteca. Presidimos la Comisión de Vivienda del Comité Nacional de Ciudades Rurales Sustentables que encabeza Fundación Azteca, A.C.

Selecione as unidades com as quais a parceria foi estabelecida

Departamento de responsabilidade social corporativa, Departamento de marketing.