Sustainable sanitation solutions

Financial Inclusion Improves Sanitation & Health (FINISH) Society aims to address sanitation challenges uniquely by applying a multi-stakeholder approach.

FINISH Society is a non-profit organization working to promote sustainable and equitable development of the sanitation sector in India. It leverages financial inclusion to address sanitation challenges with a focus on safe sanitation, circular economy, livelihood, and employment generation. The organization’s waste management interventions foster a circular economy, create local livelihood, and reduce greenhouse gas emissions. It happens through designing and implementing commercially viable solutions to tackle solid and liquid waste management that are effective, socially acceptable, and institutionally compatible.  

One of the organization’s flagship programs is ‘Impact investment in sanitation.’ Incepted in 2019, the program targets 35,000 families and has impacted 1,75,000 people to date. 

Using the Diamond Model, a multi-stakeholder ecosystem approach, Sanitation impact investment converges multiple stakeholders for integrating financial inclusion with demand for toilets and enhanced capacities at the local level to meet the needs. ACTIAM (a globally operating Dutch asset management company established in 1997) has provided a loan of US$ 3M to Cashpor Micro Credit (CMC) with outcome-based incentives from WASTE Foundation and FINISH Society (non-profit) as the facilitating agency. It was a pilot project to help understand the potential and define the process for the ambitious FM program (targeting 4 million households in 6 countries) and the introduction of the Sanitation Impact Fund EUR 250M. For this, 325 branches were identified to provide 35,000 sanitation loans in three years, spread across their 15 operational regions. 36,843 loans were disbursed from Feb 2019 to March 2022. 

Put the waste in its place.

Community Health Facilitators (CHF), women selected from their loan clients, were engaged in creating awareness and demand for safe and hygienic sanitation practices and monitoring toilet construction and its usage. Masons were trained to construct environmentally safe sanitation across all the selected geographies. 

“Financial inclusion as a tool for empowerment wherein the ‘power to decide is transferred to the client.’ The client, mostly women, decides ‘what, where, and how’ to build the infrastructure. It is a holistic model where both demand and supply side issues are addressed. It is both sustainable and scalable,” says Abhijit Banerji, Member Secretary, FINISH Society.

Another program that the organization has been focusing on is ‘Climate change mitigation through sustainable waste management.’ It came into being in 2016, and since then, it has changed the lives of around 10,00,000 people.

FINISH works towards finding new approaches to involve the key stakeholders in the reconstruction of local waste management systems through changing attitudes, strengthening the role of the informal sector, involving local government and communities, and building capacities. Its waste management programs actively implement innovations in closing the resources loop with waste valorization by improving the value chains in solid and liquid waste to advance India towards a circular economy. 

Every month around 2,00,000 families are practicing waste segregation under solid waste management programs across ten states in India. On average, 22,000+ tons of solid waste per year are managed, treated, and recycled. The organization is creating a positive impact on the environment by saving 3600+ tons of CO2 equivalent greenhouse gas emissions per year. 

Doing our duty to maintain Earth’s beauty.

“With 3 million truckloads of untreated garbage being offloaded daily, it is both a challenge and an opportunity. On the environmental side, proper management removes plastic waste from contaminating land and water. The better management of organic waste reduces waste disposal costs and greenhouse gas emissions. In addition, it can create businesses and enable livelihoods, leading to healthier and cleaner cities and an improved environment! It’s a win-win situation!

FINISH Society is a non-profit organization working to promote sustainable and equitable development of the sanitation sector in India. It leverages financial inclusion to address sanitation challenges with a focus on safe sanitation, circular economy, livelihood, and employment generation. The organization’s waste management interventions foster a circular economy, create local livelihood, and reduce greenhouse gas emissions. It happens through designing and implementing commercially viable solutions to tackle solid and liquid waste management that are effective, socially acceptable, and institutionally compatible.  

One of the organization’s flagship programs is ‘Impact investment in sanitation.’ Incepted in 2019, the program targets 35,000 families and has impacted 1,75,000 people to date. 

Using the Diamond Model, a multi-stakeholder ecosystem approach, Sanitation impact investment converges multiple stakeholders for integrating financial inclusion with demand for toilets and enhanced capacities at the local level to meet the needs. ACTIAM (a globally operating Dutch asset management company established in 1997) has provided a loan of US$ 3M to Cashpor Micro Credit (CMC) with outcome-based incentives from WASTE Foundation and FINISH Society (non-profit) as the facilitating agency. It was a pilot project to help understand the potential and define the process for the ambitious FM program (targeting 4 million households in 6 countries) and the introduction of the Sanitation Impact Fund EUR 250M. For this, 325 branches were identified to provide 35,000 sanitation loans in three years, spread across their 15 operational regions. 36,843 loans were disbursed from Feb 2019 to March 2022. 

Clean spaces, happy faces.

Community Health Facilitators (CHF), women selected from their loan clients, were engaged in creating awareness and demand for safe and hygienic sanitation practices and monitoring toilet construction and its usage. Masons were trained to construct environmentally safe sanitation across all the selected geographies. 

“Financial inclusion as a tool for empowerment wherein the ‘power to decide is transferred to the client.’ The client, mostly women, decides ‘what, where, and how’ to build the infrastructure. It is a holistic model where both demand and supply side issues are addressed. It is both sustainable and scalable,” says Abhijit Banerji, Member Secretary, FINISH Society.

Abhijit Banerji, Member Secretary, FINISH Society.

Another program that the organization has been focusing on is ‘Climate change mitigation through sustainable waste management.’ It came into being in 2016, and since then, it has changed the lives of around 10,00,000 people.

FINISH works towards finding new approaches to involve the key stakeholders in the reconstruction of local waste management systems through changing attitudes, strengthening the role of the informal sector, involving local government and communities, and building capacities. Its waste management programs actively implement innovations in closing the resources loop with waste valorization by improving the value chains in solid and liquid waste to advance India towards a circular economy. 

Every month around 2,00,000 families are practicing waste segregation under solid waste management programs across ten states in India. On average, 22,000+ tons of solid waste per year are managed, treated, and recycled. The organization is creating a positive impact on the environment by saving 3600+ tons of CO2 equivalent greenhouse gas emissions per year. 

Waste isn’t waste if we segregate it.

“With 3 million truckloads of untreated garbage being offloaded daily, it is both a challenge and an opportunity. On the environmental side, proper management removes plastic waste from contaminating land and water. The better management of organic waste reduces waste disposal costs and greenhouse gas emissions. In addition, it can create businesses and enable livelihoods, leading to healthier and cleaner cities and an improved environment! It’s a win-win situation,” shares Abhijit Banerji, Member Secretary, FINISH Society.

Empowering adolescents with life skills for the 21st century

Magic Bus India Foundation aims to take life skills education to nearly 2 million adolescents in the next 3-5 years.

Today 253 million[1] adolescents in India cross the threshold from childhood into livelihood, with only one third of them having a higher secondary qualification[2]. Out of these, only 2 in 5 will have the life skills and employability sills necessary to secure stable employment[3].

Over 50%[4] of employers believe that for young people to succeed, they should be equipped with the right skills to transition from education to employment. If this not addressed, the vicious cycle of poverty will continue to create a cascading effect on society as a whole. A problem of this magnitude and complexity, requires a proven solution at a national scale.

Magic Bus School Completion and Livelihood Enablement Program

The Magic Bus School Completion and Livelihood Enablement program aims to equip adolescents with life skills such as teamwork, communication, learning to learn, problem-solving, and managing self. In addition, this assistance builds their resilience, self-efficacy, agency skills, and decision-making abilities. By supporting adolescents’ holistic development, the Foundation enables them to learn better, attend school regularly, complete their education, develop aspirations and set career goals to build better futures. 

Government teachers undergoing life skills training.

Implementation Approach

The Foundation adopts an activity-based approach to building life skills by providing a structured and supportive environment for adolescents to learn and practice these skills. The curriculum comprises games and sessions. Their innovative and scalable delivery approach equips government school teachers to impart life skills education to adolescents from grades 6 to 10. It builds the capacity of the government school system and creates a cascading effect wherein a teacher becomes the catalyst of change for countless students. This approach also strengthens the student-teacher relationship.

The SCALE program is anchored on engaging with the educational system, School Management Committees, parents, and the community. As parents are direct stakeholders in adolescents’ development of adolescents, they must understand the role they play in nurturing development and supporting their children to complete their education so they can build better futures.

The adolescents often come from households with limited or no space for them to study. By encouraging them to create a personal study corner in their home, the organization boosts their interest in learning, raises their confidence to continue self-learning, and asserts their desire to study. 

Under the program in Maharashtra, Magic Bus India Foundation conducts Bal Panchayat elections in government schools. Through this intervention, the organization aims to raise awareness about the Indian democratic system and processes in adolescents. In addition, it builds leadership skills, encourages active citizenship, and moulds them to become agents of change. Under the program, the Foundation also creates peer support structures where adolescents can encourage others to learn and build their interpersonal skills. The organization orients system-level officials and cluster heads on life skills, enabling a collective approach to planning and monitoring school training and interventions. If government schools adopt the program as part of the curriculum, life skills education can be scaled nationally. 

Reflecting and internalising life skills learnings.

In order to mainstream life skills education in line with the new National Education Policy commitments, the program is supported by the Governments of Maharashtra, Mizoram, and Rajasthan. Four esteemed foundations also support them; Azim Premji Foundation, Echidna Giving, Michael & Susan Dell Foundation, and the Kadoori Charitable Foundation. Several long-term funders, including Nestle, JSW Foundation, WPP Foundation, Mondelez India, and Dhanam Foundation, also back the Foundation’s programs.

Impact

  • Since 1999, Magic Bus India Foundation has worked with over one million adolescents across 1300 government schools, supporting each for three years. 
  • 98% of adolescents in the Foundation’s programs showed a 46% improvement in school regularity.
  • 75% of adolescents completed secondary education until grade 10 and transitioned to higher secondary, compared to the national average of 69%.
  • The adolescents have a 26% improvement in perceived self-efficacy and 17.5% in resilience.

The organization aims to take life skills education to nearly 2 million adolescents in the next 3-5 years.

Learning teamwork through life skill sessions.

SDG Linkages

Jayant Rastogi, Global CEO, Magic Bus India Foundation

The Foundation’s interventions are linked with the following SDGs:

  • Sustainable Development Goal 1: End poverty in all its forms everywhere
  • Sustainable Development Goal 4: Ensure inclusive and equitable quality education and promote lifelong learning opportunities for all
  • Sustainable Development Goal 5: Achieve gender equality and empower all women and girls
  • Sustainable Development Goal 8: Promote sustained, inclusive, and sustainable economic growth, full and productive employment, and decent work for all

“SCALE was selected by HundrEd.org as one of the top 100 education innovations out of 3000+ global organizations. The recognition is a validation that our program delivery model is effective, innovative, and scalable. Embedding this in the government school system will go a long way to address India’s education challenges and kindle systemic change,” shares Jayant Rastogi, Global CEO, Magic Bus India Foundation.

Sources:

[1] Census 2011

[2] Secondary Education Flash Statistics 2014-15. DISE

[3] India Skills Report

[4] World Economic Forum Study, 2021

Creating pathways to prosperity

Trickle Up’s programs prioritize empowering women to identify new income streams and build a sustainable pathway out of poverty

Women living in extreme poverty are vulnerable to income, health, climate, social shocks with limited scope to mitigate the consequences. Trickle Up’s mission is to partner with them to build economic opportunity and drive inclusion. Its work is anchored in the belief of creating sustainable and scalable change. It is built on robust evidence from the field of Graduation and the organization’s decades of experience across different geographies and partnering with different populations.

By 2030, Trickle Up will have reached 5 million people living in extreme poverty by delivering programming to a total of 1 million women.

For the last 43 years, Trickle Up has been investing in the process of identifying people living in extreme poverty and to design social interventions to put an end to their cycle of poverty. Often, this segment of the population is ignored because of high risk of investment and perceived low returns.

Trickle Up’s programs package livelihoods support, financial inclusion, social inclusion, and social safety nets, which Trickle Up has adapted from the tested Graduation Approach. Trickle Up’s programs are time-bound interventions that combine livelihood development, savings, and social protection.

Trickle Up’s Graduation program prioritizes empowering women.

In India, Trickle Up works in the states of Odisha, Jharkhand, and West Bengal, serving 29,655 people directly as project participants, with a reach of 184,205 people in rural areas that are often home to many members of scheduled castes and Particularly Vulnerable Tribal Groups (PVTGs).

Trickle Up’s programs prioritize empowering women to identify new income streams and build a sustainable pathway out of poverty.

At the close of the “Pathways out of Poverty” project, 900 participating households, on average, performed 3.7 livelihood activities each (activity diversification is a crucial factor in building resilience to setbacks), and 95% of participating women had at least two means of generating income. Besides, annual household income from all sources increased by more than 160%.

Greater economic stability from diverse and remunerative livelihoods and access to savings and credit significantly decreased distress migration amongst people, including those searching for wage labor, often in undignified, dangerous, and ill-paid tasks. The project also allowed women to engage in economic activities requiring year-round attention and their children remained in school.

Interestingly, almost all participating households had savings at the project close. Their debt to moneylenders reduced precipitously, and their families’ food consumption improved (in regularity, variety, and quality).

Of tremendous importance, women reported playing a significant role in household decision-making by the close of the project. In turn, they felt more valued by their community, took pride in earning income and paying off debt, and enjoyed enough latitude to be creative in their daily lives.

Trickle Up India Foundation has been supported by Tata Communications and the Walmart Foundation to implement the MPOWERED project (2,800 participants) and the Ultra-Poor Market Access project (1,000 participants), respectively. Trickle Up’s field-based partner NGOs are Lokadrusti, Mahashakti Foundation, Nirman, Sewa, Nydhee (in Odisha), Pravah and Srijan in Jharkhand. Furthermore, Trickle Up has capacity building partnerships with SEWA and Pravah.

Like most non-profit organizations Trickle Up is dedicated to diminishing risks and uncertainties to the continuity of its work, especially with regards to funding and staffing. Funding opportunities are becoming increasingly competitive and unpredictable. Secondly, attracting and retaining high quality staff is the backbone to any successful program.

Supporting communities in rising out of poverty.

Trickle Up is also aware of and exposed to external risks such as climate change and exogenous global shocks, like the COVID-19 pandemic. In particular, working in Odisha and Jharkhand makes climate change an immediate concern as both regions are disaster prone and communities living in extreme poverty are at highest risk, which can slow program delivery. However, Trickle Up continues to explore mitigation strategies to effectively offset these risks and ensure continuity for its participants. In line with 2030 global agreements, Trickle Up has ensured that its work connects to and strengthens the United Nation’s 2030 Sustainable Development Goals (SDGs) to tackle some of the world’s most urgent problems.

Trickle Up Partners with women to forge resilient pathways out of poverty.

SDG Linkages

SDG 1: “No Poverty” is the primary goal that guides Trickle Up’s work. While working with populations in extreme poverty requires more resource-intensive programs, Trickle Up is determined to reach these populations to create longer lasting and more resilient transformations in people’s lives.

SDG 2: “No Hunger” is a key part of sustainable pathways out of poverty. In order to meet their basic needs, Trickle Up’s programs often connect participants to consumption support to eliminate food security as a worry and giving participants more opportunity to focus financial and physical resources on other needs. When participants have higher incomes, the first ensured outcome is essential nutrition and three meals daily.

SDG 3: At Trickle Up, “Good health and well-being” is critical to the success of any livelihood program. As participants living in extreme poverty have greater income, their overall wellbeing has time to flourish.

SDG 5: “Gender equality” is the lens through which Trickle Up designs all its programs. It is committed to enabling equitable gender parity at the ground level and up.

SDG 8: “Decent work and economic growth” is the founding principle upon which Trickle Up’s programs guide participants to pathways out of poverty by engaging them in meaningful income-generating livelihood activities.

Sushant Verma, Asia Regional Director, Trickle Up.

SDG 10: Trickle Up’s effort to eradicate extreme poverty is one slice of “Reduced inequalities.” Reducing the disparity between urban and rural populations while also ensuring a fairer market for marginalized communities is a component of Trickle Up’s long-term programming.

Sushant Verma, Asia Regional Director, Trickle Up, underlines the importance of coaches, referring to them as ‘Champions of Change’. He says, “The need-based tailored support provided by them not only ensures the well-being of participants, but their involvement at the village level developmental work has enabled them to take up leadership roles in their respective villages and Panchayats.”

Cotton Growers Turn over a New Leaf – with Regenerative Farming

While promoting health and resilience of natural ecosystems, regenerative farming is also helping cotton growers earn more and spend less  

In Manegaon village in Nagpur, Maharashtra, Sudhakar Kohale’s name is synonymous with sustainable farming. Born into a family of farmers, Sudhakar (59) and his wife Pramila (50) are proud of their 6-acre land where they cultivate cotton, Bengal gram, pigeon pea and vegetables.

But not so long ago, Sudhakar was uncertain about his future as a farmer. Barely making enough from the farm to run his family of 11 members, Sudhakar looked for a supplementary source of income and decided to also work at a nearby textile mill in Kalmeshwar. In 2002, several textile mills in Maharashtra shut shop due to financial crisis, including the one where Sudharkar worked. He was back to square one.

Sudhakar and Pramila toiled on the fields but somehow the results were not showing in terms of yield. Further, the soil was turning hard and their expenses on chemical fertilizers were increasing. Sudhakar realised he had to farm in a way that would reduce his input costs and simultaneously improve his earnings.

In 2022, Sudhakar and Pramila attended a training session on vermicompost at a training and resource centre run by Solidaridad in Burujwada in Saoner block of Nagpur. The programme informed the attending farmers, including Sudhakar, about the many benefits of vermicompost and how it can be used as a natural fertilizer for the soil, as well as shared the know-how on how to make it. At the end of the session, the farmers were provided with vermi-beds. Sudhakar and Pramila received one too.

“At our training and resource centres, we organise training for farmers on use of natural crop protection products, good agricultural practices, vermicomposting etc. We also create awareness through farmer field schools and farmer corner meetings as well as weekly online farmer trainings,” says Sarfraj Diwan, District Coordinator (Nagpur), Solidaridad.

Sudhakar was using cow dung to make compost, but the quantity was too little to make any difference to his crop. Now, equipped with the vermi-bed and some guidance from the Solidaridad field team, Sudhakar decided to prepare vermicompost and used it in his farm – taking the first step towards sustainable farming (and moving away from chemical-intensive farming). Additionally, he was encouraged to use organic pest repellents like jivamrut, nimboli ark and dashparni, and reduce dependence on chemical pesticides.

Sudhakar Kohale

In the harvest season, Sudhakar saw the change. Against an average of 15 quintal every year, this time, he got 20 quintals of cotton from his farm, a more than 35% increase in production. His spend on chemical pesticides reduced from Rs 15,000 per year to Rs 10,000 per year.   

After witnessing the results in the first year, Pramila, who had just recovered from cancer and knew the treatment cost had put a strain on the family’s savings, motivated Sudhakar to start a vermicompost unit in his farm to earn extra money. Besides cotton, he started using the vermicompost in his vegetable fields and sold the remaining compost in the local market. Since then, Sudhakar’s vermicompost unit has expanded and now consists of eight vermi-beds. Annually, Sudhakar sells 300 quintals of vermicompost and earns Rs 2 lakh.

Further, with the use of vermicompost and little to no use of chemical fertilizers over a period of time, Sudhakar saw his hard soil turning moist and its vitality revived. He is also practicing inter-cropping with vegetables, which is not only beneficial for the soil but also provides Sudhakar yet another source of income besides the cotton crop.

As a result of good agricultural practices, Sudhakar saw his income from the farm increase from Rs 2.5 lakh to Rs 3 lakh, a 20% jump. Further, the additional income from selling vermicompost has made things a bit easier for the family.

“Earlier, we did not have enough money to buy inputs for the farm or even for the family during a medical emergency, I always had to look outside for help. Now, things have changed. I can manage my finances better because of the increase in income. Agriculture is an uncertain profession; the adverse impacts of climate may lead to crop loss. Youngsters in farming must have an option of earning a supplementary income, like selling vermicompost, to be able to continue as a farmer,” says Sudhakar.   

After reaping the benefits of sustainable farming, Sudhakar now wants every farmer in his village to turn over a new leaf – and to do that, he is sharing the knowledge he has acquired from Solidaridad with his fellow farmers.

The Green Route to Profit

Like Sudhakar, shifting away from chemical-intensive farming has proved to be a gainful decision for Ashatai Upasrao Musale too. A resident of Bhendala village in Saoner taluka of Nagpur, 60-year-old Ashatai is a farmer for the last 20 years and along with her husband Upasrawji Musale owns 6 acres of land, where she grows cotton, lemon and vegetables. 

Her biggest worry till a few years ago was the mounting expenses on chemical fertilizers and pesticides. Every year, she was spending Rs 80,000-Rs 90,000 on these, but her cotton yield was far from satisfactory.

“We did not know about cost-effective and natural methods of dealing with pest and insect attacks, and incurred a huge cost on chemical fertilizers,” says Ashatai.

That’s when Ashatai met Solidaridad field staff through her village members. Solidaridad provided her with a vermicompost bed and a biogas digester. Ashatai was already into livestock farming – with Solidaridad’s training, she learnt to use the cow dung in the digester as well as for vermicomposting. The biogas is used by the workers on her farm to prepare their food. 

Among other things, Ashatai also learnt about yellow sticky traps, an effective way to manage pests. Yellow sticky traps are installed in between the crops, which attract flying insect pests and trap them (the insects get stuck to them). The sticky traps also help in early detection of pests, giving the farmer a timely warning to manage the situation before it escalates into a big pest attack, thereby also checking extensive use of chemical pesticides.

“Earlier I was spending Rs 10,000 annually on pesticides but because of these sticky traps, I am now saving that money,” says Ashatai.

Like Sudhakar, she too was introduced to cheap but effective organic pest repellents like jivamrut, nimboli ark and dashparni. As a result of these efforts, Ashatai’s yearly spend on fertilizers and pesticides has reduced to Rs 40,000 – a more than 50% drop from Rs 90,000 (approx.) she was spending earlier. Along with that, her cotton yield has improved from 7 quintal per acre to 9 quintal per acre.

“Our programme is designed to empower farmers with knowledge and skills on sustainable and regenerative agricultural practices, which promote health and resilience of natural ecosystems. Our approach on the ground has helped farmers farm not only more profitably, but also adopt a range of holistic, regenerative practices to restore the degenerated soil, improve carbon sequestration and reduce GHG emissions in agriculture, to mitigate the impact of climate change,” says Anukool Nagi, Assistant General Manager, Solidaridad.

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