- Finish Society

FINISH Annual Report
1st April 2013 – 31st March 2014
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CHAPTER 1: INTRODUCTION
Financial INclusion Improves Sanitation and Health programme (FINISH) was conceived with the
objective of enabling the emergence of a rural society whose health is improved not only through
better sanitation facilities but also by virtue of being financially included. The project is implemented
by WASTE through the Finish Society for the Dutch Ministry of Foreign Affairs (DGIS) since 2009.
The project was scheduled to run from 2009 to April 2014 but due to the micro-finance sector crisis
in India (and to a lesser extent worldwide) DGIS in June 2013 accepted the request to extend the
programme upto April 2016 with 3 primary objectives in mind:

Sustainability of FINISH Society

Scaling of the programme to 500,000 safe sanitation systems, this implies increasing its
footprint to about 75 partners in 11 states. This inter alia reinforces (1)

Sizeable health insurance pilot. A successful pilot and the insurance link is one of the pillars
under the business model for the FINISH Society.
The Microfinance sector in India has gone through 3 broad risk phases in the past – high growth
(till 2010), high volatility (2010 – 11), and consolidation, curtailed expansion, changed business
models, cost control, balance sheet strengthening etc (2011-13). In the second half of 2011, the
FINISH programme changed its strategy to respond to the changed circumstances. Today the
partnership pattern of FINISH is much more diversified as compared to the initial years. The
number of FINISH partners has grown from 16 in the year 2011-12 to 61 in the financial year 201314.
For effective project delivery FINISH has from the beginning followed a structured approach to
training by developing a Learning Guide which defines the ‘training roadmap’. There are 6 layers of
trainings with detailed training curricula, which are updated from time to time. Need based
capacity building initiatives are also undertaken targeting various levels and requirements, e.g. in
2013 the FINISH Project Implementation Team (PIT), as part of its sustainability initiatives, was
trained on SWM by WASTE trainers. There are nearly 855 animators trained by FINISH who have
been engaged as key grass-roots level facilitators. Similarly, local level masons are also identified
and engaged by the partners to help the households in construction of toilets. In 2013-14 alone
some 402 masons have been trained. As a part of the exit strategy for FINISH, a process has been
started to create a panel of trainers. This panel has trainers (both PIT and NGO Coordinators) who
attended TOTs organised through the FINISH programme. Thus we now have such trained external
resources in the States of UP, Odisha, Gujarat & Rajasthan. These external trainers help train FINISH
partners on safe sanitation issues.
Local Public Private Partnerships (PPPs): FINISH through the Finish Society has entered into
contracts with District Administration of Jhalawar and Udaipur District, Rajasthan for executing a
sustainable sanitation programme. The Finish Society also entered into joint ventures with Gujarat
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Livelihoods Promotion Company and UNICEF respectively. Besides, partnership has been built with
L&T Micro Insurance Company and Hindustan Zinc Limited. These initiatives will strengthen the
process of making Finish Society a self-sustaining entity.
Overall the sanitation coverage has increased in the FINISH project areas. Cumulative achievement
in terms of number of sanitation systems has increased and the total number of systems
constructed has reached to 297,392. The information, education and communication (IEC) activities
provided complete coverage to all families in the project area that has resulted in accelerating
sanitation coverage. The awareness generation drives organized by partner organizations and
access to credit resulted in creating demand for safe sanitation. In 2013-14 the FINISH programme
added Supply Chain solutions so that demand created was promptly addressed.
A fourth dimension of ‘Reuse’ is being explored for which a research
study on ‘Composting and marketing of compost from Human Waste’
was given to the private sector organisation “Morarka Organics P Ltd.”
In addition, the option of linking toilets to biogas units is implemented
at some scale (close to 1,000 systems are connected in Valsad district,
Gujarat). Also a toilet linked community biogas system is set up in
Tamilnadu with a view to bottle the gas and derive at market values for
the gas.
Implementation of the FINISH intervention has improved as compared to the last fiscal year (Graph
1.1 below). The field staff has adopted well to the changing financial scenario and is approaching
partners accordingly. FINISH is continuously improving the process. In the first half of 2013-14, it
was doing 1 Safe Sanitation system every 5 minutes (24/7 basis) which improved to 1 Safe
sanitation system every 3 minutes in the second half of 2013-14!
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The earlier exclusive focus on micro finance has now been expanded to a broader access to
financial services for the poor. This includes access to micro finance, government subsidies,
cooperative soft loan financing, CSR funding and revolving funds. Thus the funding is no longer
exclusively based on commercial micro finance, but it also includes these other categories. The
subsidy programmes are run in partnerships with local government and as such directly contribute
to Objective 2. This expanded partnership and the various partners is outlined in Annex 2, together
with the efforts undertaken by the partners in sanitation awareness generation. These partnerships
are managed by the Project Implementation Team.
In the government sanitation programme the subsidy is back-ended, i.e. flows once the toilet is
completed, and FINISH is leveraging vendor credit to bridge this working capital need. In the past
six months alone only in the district of Dungarpur (Rajasthan) vendors have given credit of INR
30M (nearly € 400,000) in 2013-14. The idea is to expand this further to other project areas.
Government policies will to a large extend determine which of these financial streams will become
the most important. For instance the increases in Government subsidies mean that sanitation
demand generated by the project, can be met by and large by available government subsidies.
Similarly changes in company law means that companies are now compelled to spend 2% of their
profits on CSR activities. As sanitation is highly visible, this may offer a great financing potential.
The main advantage is that now people who were before excluded, i.e. the ultra-poor, can be included
in the sanitation drive. Thus it certainly contributes to the financial inclusion paragraph of FINISH.
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Chapter 2: Result based Progress
The overall objective of the Financial Inclusion Improves Sanitation and Health (FINISH) programme
is "to improve sanitation and thereby living and economic conditions of poor rural and peri-urban
households, through economic incentives, primarily enhancing financial inclusion of these households."
The programme is designed with four sub-objectives vide:
1. To provide sanitation facilities at the household level through a combination of microcredits by MFIs with a sanitation portfolio (capacities are built under the programme) and
health insurance incentives.
2. To establish a financially sustainable sanitation improvement mechanism through public
private partnership.
3. To develop information resource base for future programmes and demonstrable indicators
linking health and sanitation.
4. To provide livelihood benefits to poorer sections and mainstream gender aspects.
The adjusted overall result of FINISH is "improved sanitation systems for 500,000 (lower limit) –
600,000 (upper limit) households in different states of India.”
FINISH has six results. Developments in the sector effected both results for 2013 and the targets for
2014. Short descriptions of relevant developments are presented after the description of the result.
The milestones for each result for 2013 –2014 has been set by the Programme Management Board.
Result 1.1 MFIs offer sanitation loans as part of their loan product portfolio
Milestone 2013-2014: 20 million Euro in hardware financing has been organized by the project.
Indicator
Targets 2013-2014
Output
MFI pre-selection criteria
developed, organisational capacity
assessment, MoU with each
implementing MFI partner
stipulating roles of different parties
vis-à-vis implementers
OBA detailed criteria
4) Proposal for GP-OBA
Proposal submitted to WSP India, reformatted
funding submitted.
to result based financing. Due to change of staff
Innovative use of current
at WSP, not being pursued by WSP presently.
project related OBA funding
documented
Outcome
The end of the programme has
provided 100% of all necessary
loans provided to the users.
Additional 20 million in
other funding will be
mobilised.
In the year 2013-14 133,631 safe sanitation
systems have been built using multiple sources
of finance.
 Finance (Bank/MFI/NABARD/NHB/SHG
Other): INR 288 M (Euro 4.11 M)
 Subsidy (partner leveraging Govt. subsidy):
INR 575 M ( Euro 8.21 M)
 Client contribution: INR 128 M (Euro 1.83
M).
 CSR support: INR 5.3 M ( Euro 0.08 M )
Results from impact
surveys will be known and
will inform on the
occurrence of water borne
diseases, these will be
widely disseminated.
Impact survey in Gwalior completed. Report
awaited.
Sustain- By the end of the programme, the
ability
occurrence of water-borne
diseases among the program target
group has decreased with 50%.
Results 2013 – 2014
Impact survey commenced in Tamilnadu.
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After 3 years of the MFI crisis they seem to be regaining some of the confidence with clients and
lending institutions. Fresh loans issued to MFIs by banks showed a jump of 50.60% over the
previous year whereas the number of MFIs having access to fresh loans declined by 8.4% indicating
selective lending by banks. But with financial inclusion emerging as a major policy objective in the
country, microfinance is again moving to the center stage as a promising conduit for extending
financial services to unbanked sections of the population.
Status of Microfinance in 2013
 Major trend is RBI being able to put forward a very significant set of regulatory guidelines
which seem to have given hope to the sector that orderly growth is possible.
 MFIs are facing the challenge of coping with the regulatory environment- continuous client
data monitoring, reporting, technology adoption/up-gradation and building staff capacities
as there are no investments in capacity building by MFIs themselves or the sector due to
less availability of funds.
 MF legislation bill still not seen the light of day, which is a concern for the smaller NGO
MFIs. FINISH while re-strategising in 2011 had decided to focus on smaller MFIs and
adversely impacts using of micro-finance for sanitation. MFIs want a more structured
guideline to follow and hope for this being successfully achieved is becoming dimmer and
dimmer.
The Micro Finance Institutions are slowly increasing in number all over the country with a variety
of loan products. Over the past year many MFIs have approached FINISH for working in sanitation.
In 2009, when the FINISH project was conceived, MFIs were placed as a primary financial
institutions and partner for extending sanitation loan to facilitate construction of toilets. Over the
period of time, some major changes occurred within the MFI sector and that prompted the project
to undertake some strategic changes for effective implementation of the programme. The Micro
Finance crisis occurred during the year 2011 was the major hindrance for the MFIs of availing funds
which led to unavailability of adequate resources/funds for extending sanitation loans to the
beneficiaries. FINISH accordingly adopted strategies to respond to the circumstantial changes. While
extending its partnership, FINISH apart from regular MFIs, also partnered with NGO-MFIs and NGOs
who had adopted the SHG-Bank linkage model successfully and who had worked with the
government to establish linkage between government programmes and rural communities.
At present there are 12 (up from 5 in 2012-13) MFI partners. There has been paradigm shift within
the Micro finance institutions. MFI loan portfolios are much more diversified as compared to the past
trends. One example is a ‘sanitation loan product’ (this is one of foreseen results of FINISH!) like the
WATSAN Loan by Cashpor, which has been included by some of them.
MFI partners are also lending for WASH beyond FINISH Programme areas. The 2013-14 data for 2
MFI partners are tabled below:
Name
Blocks
GPs
Clients
Cashpor
14
48
7,705
Grameen Koota
176
17846
(kendras)
568,958
Amt (INR ‘M)
Outstanding (INR ‘M)
37.73
11.05
769.86
603.08
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They have not just restricted themselves to evolving business models but also working towards
bringing positive social impact and behavioural change. Some examples are mentioned below:
Cashpor, Varanasi, Uttar Pradesh is a well established MFI (winner of the MFI of the Year Award
2012). It provides micro credit to Below Poverty Line households residing in Eastern U.P. and Bihar.
CASHPOR believes that financial services are not all that can bring poor community out of the cycle
of poverty. CASHPOR has piloted strategic cost effective intervention in education and health and in
the year 2012, CASHPOR has introduced sanitation loan with nomenclature ‘WATSAN Loan’ in its
portfolio. The loan amount can vary from INR 1,000 to INR 5000. Sanitation loan is available only to
those clients who after taking income generation loans from Cashpor have timely repaid due
instalments. Cashpor has also made it mandatory for the animators to have toilet at their own
residence. Cashpor which initiated sanitation with FINISH began with one district Buxar in 2011 has
expanded the relationship to 2 other districts – Gazhipur & Sasaram. It is also providing WATSAN
Loans in other non_FINISH districts.
BWDC, Thiruvarur, Tamilnadu has been expanding its Sanitation portfolio. As the table
below shows BWDC has over a 3 year period doubled the sanitation portfolio.
Total Loan
Portfolio
Sanitation
Portfolio
Percentage
2011-12
INR 68,435,858
2012-13
INR 47,157,822
2013-14
INR 76,913,979
INR 10,574,050
INR 10,134,782
INR 20,145,545
15.45%
21.49%
26%
The highlight is with this thrust they have attained 100% Sanitation Density in 48
Villages1 !
1
An interesting aspect is that the CEO of BWDC was earlier convinced that it would take at least 2 - 3 years to
reach sanitation densities of 50%.
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Result 1.2 MFI marketing channels for micro-insurance products developed
Milestone 2013-2014: Distribute 12000 micro health insurance policies to the beneficiaries:
Output
Indicator
Targets 2013-2014
Results 2013–2014
Before the end of the 1st year
the programme has
developed:
- Health insurance products
developed
- Sales channels developed
- Number of policies sold
L&T insurance product
launched.
Contract signed with
newly formed entity as
marketing distribution
company as part of the
exit strategy of the FINISH
project.
The Programme started late, it is being
implemented in – Maharashtra,
Rajasthan & Odisha with
 Micro insurance Agencies (MIAs) 8
 MISPs (trained & licensed agents) 24
 Policies 2245 / INR 425,280
 Claims 4 / INR 13,000
Target is to do 4000
covers by 31st March
2014.
Outcome
MFIs are capable of providing
the micro insurance products
without active interference of
the programme
Sustain- UNU will be able to report on
ability
demand increase for
sanitation due to health
insurance premium discounts
Life Insurance is sold by
partners. Sanitation
related micro health
insurance is an unique
product.(From the ppt)
Methodology developed to IFS / UNU has submitted a proposal for
link insurance data to
doing the study
sanitation data of the
project, So that it can be
used as an indicator.
FINISH has an agreement with L&T General Insurance Company Ltd for distribution of
micro health insurance products to the rural households w.e.f. February 1, 2013 till January
31, 2016. In respect of this engagement – FINISH identifies and suggests entities and
persons who are competent and capable of being recruited as licensed MI Agents for the
Company and also advise the MI Agents on the recruitment of Micro-Insurance Agents or
Specified Persons. FINISH also facilitates necessary documentations enabling enlistment of
the selected MI agency as an MI Agent for LTGIC. The new venture or distribution marketing
company (DMC) will be the link between the insurance company and the rural markets,
whereby the DMC aggregates demand from the FINISH partners. The registration of the
DMC, titled as FINISH Services Management Company P Ltd, is done with the Registrar of
Companies, Ahmedabad. This financial innovation will also give us the insight if and how, we
can use insurance to measure impact of development schemes and in this case, can we use
health insurance to measure the impact of sanitation (use).
FINISH has organized and carried out 12 trainings for micro insurance and product
training / retraining in vernacular languages. FINISH has built capacity of MI Agents and its
SP’s for efficiently bringing width and depth to the distribution and servicing of the
Company’s MI products, specifically in the health segment.
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FINISH has identified and contracted with NGOs in the states of Maharashtra, Odisha &
Rajasthan who are physically located in the vicinity of the MI Agent’s / Finish Society
premises / operational area and work under the guidance of FINISH society.
FINISH has been periodically mentoring and monitoring the ongoing performance of the MI
Agents and its SP’s for compliant sales processes and effective field level risk management
practices. The identified resources do collate data available from the company on
submission & issuance of policies. These resources are also very useful in servicing the
clients in terms of policy awareness & claim settlement. These resources enhance
awareness of financial inclusion through insurance, and promotion of safe sanitation habits
in the rural operational area to impact the sustainability of both FINISH & LTGIC initiative
for greater penetration of its MI products.
8 MIAs have been contracted from the states of Maharashtra, Odisha & Rajasthan. There
have been 12 training programmes conducted for sensitisation of MIAs & their
representatives as well as MISPs. These MISPs have successfully sourced about 2500
policies from equal number of households majority (2048 HHs) of whom have & use
individual Household Toilets.
FINISH, as envisaged during conceptualisation, with more number of micro finance
institutions as its partners under the ACCESS-ASSIST strategic partnership is sure to
multiply the health insurance coverage manifold during the current financial year.
The current challenge, we face in distribution of the HMI, is the Govt. Promoted Rastriya
Swasthya Bima Yojana (RSBY) available in the rural setup which has a highly subsidised
premium (Rs.30/- only for family floater) with entire family coverage Rs. 30,000. On top of
the same, in Odisha, there is a state run programme called Biju Krushak Kalyan Yojana
(BKKY) that covers all the farmers for an additional SI of Rs.70K without any added
premium to the RSBY.
Way forward



Expand operational area
Increase distribution
ACCESS ASSIST partnership with 8 MFIs to help drive both Sanitation & Insurance.
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Result 2.1 Sustainable sanitation support services set up established
Milestone 2013-2014:
Output
Outcome
Indicator
Targets 20132014
Results 2013– 2014
Assessment stakeholders
sanitation support
services at different levels
(MFI, NGO, government,
institutional, primary
beneficiary)
Existing sanitation
system- assessed.
Identification of target
areas. Identification of
issues /gaps.
Identification key persons
(champions)
Information system
options evaluation.
Tangible win-win
situation (commitment/
motivation due to
genuine self-interest)
identified, Stakeholder
capacity assessed, gaps
targeted through specific
CB, Handbook developed
75 partners
contracted MC
Saatchi developed
habit change
material Official
launch technology
cartoon.
In 11 states 61 active partners are presently
associated with FINISH
503 Animators have been trained. refresher
trainings carried out for 225 Animators trained
earlier. Trainings have been carried out by
Master Trainers from FINISH and External
Master Trainers trained under the FINISH TOT
programme.
402 Masons have been trained.
Learning Guide Part B is revised. Learnings from
the field are being collected and will be
incorporated in the Learning Guide.
The constructed
Randomised
sustainable sanitation
sampling of work of
systems supported by the partners
PIT are functioning
properly and
satisfactorily by the
midterm of the
programme.
Sustainabi At the end of the
lity
programme 90% of all
sanitation system
constructed during the
previous programme
years still function.
To partners PIT provides:
Hand holding support
Training support
Technical guidance
Random validation
Documented
Reuse film is complete with different vernacular
sanitation supply
versions
side chain leading
to cost reductions.
(re) use film in local
languages
Documented (re)
use pilots
In the first few years, sanitation support focused on sanitation demand generation support, e.g. the
Award winning film, “Let’s make it right”, hand-outs, sanitation capacity development of partners,
development of the sanitation learning guide, the training roadmap for partners at all levels – from
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CEO to masons -, technology support structures, cartoon in five local languages and policy dialogues
with the Central Government.
Also in 2013 – 2014, demand creation as the starting point for a successful intervention, continued.
Partners have used a range of tools to communicate the FINISH message of Safe Sanitation. In 201314 partners carried out 756 Sanitation Awareness Programmes covering 35,136 people, 1177 film
shows of ‘let’s make it Right’ were held and it is estimated about 50,000 people would have
watched it, 43,525 leaflets have been distributed carrying the message of Safe sanitation, wall
writings using District Sanitation Mission inputs have been done at 269 places, in 2614 SHG
Meetings the need for Safe Sanitation was discussed, different school activities have been carried
out in 163 places including some shows of the FINISH cartoon film ‘Backend Engineering’.
In 2013-14 another focus area was added: the sanitation supply chain and the ensuing business
opportunities as well as exploring the (re) use of excreta.
Sanitation supply chain activities:
The tie up between WASTE and Saxion University Enschede, whereby 70 students worked on
different aspects of the sanitation supply chain in 2013, though the practical relevance may have
been limited it was indeed unique to have such a large group of business students taking an interest
in sanitation supply side issues in India. More targeted student relations mainly through UNESCO–
IHE (see below), United Nations University Maastricht and WUR are pursued.
In the State of Rajasthan FINISH is currently working on a supply chain model. In this model the
materials required for constructing a toilet is facilitated by FINISH. Once demand is generated at
community level, the orders are placed and the material delivered within two days at the doorstep
of the beneficiary. When the material is in place, masons trained and linked by FINISH make sure
the construction is technically correct and is up to standard.
Presently FINISH society along with other NGO/ firms/ entrepreneurs partners is engaged in
Supply chain activities (please see Annex 3 for details) in 5 Districts of Rajasthan:
1. Udaipur (HZL)
2. Chittorgarh (HZL)
3. Bhilwara (HZL)
4. Dungarpur (Govt. and UNICEF)
5. Banswara (Govt.)
Basic emphasis is laid upon creating supply chain solutions in intervention villages. Till date close
to 6000 sanitation systems have been constructed in these 5 districts and 7 vendors have been
engaged for doing the work.
FINISH has provided a revolving fund to DHARNI for intervention in Jhalawar and Bhilwara.
Jhalawar operations are facing some challenges due to lack of District Administration support.
Bhilwara Operations has picked up and looking promising in future.
DHARNI has done close to 6800 sanitation systems against the target of 12000 sanitation systems
in Jhalawar and 10000 in Bhilwara. Advance of INR 800,000 has been provided to them against the
same contracts. FINISH has already recovered close to INR 60,000.
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Other partners have secured credit arrangements due to FINISH support. Till date total vendor
Credit is close to INR 30 Million by all the vendors put together.
FINISH has been asked by UNICEF to provide similar support in Udaipur and Banswara in
Rajasthan and also in Jalna in Maharashtra where District admin will support FINISH Society with
the backing of UNICEF.
Finish Society will also be starting its rural sanitary mart (RSM) operations along with support of
vendors in three more District of Rajasthan with support of World Vision and Habitat.
A number of initiatives towards establishing sustainable sanitation service systems have been
taken by partners as well as by FINISH. Following are some initiatives undertaken by the partner
organisations:
Range of Cost Effective Toilets
CDOT (MFI partner) from Patna, Bihar and project area is in Nalanda District of Bihar
As a matter of fact, it is very innovative model "CDOT" is practicing where there two precast tanks
of 1.8 m by 0.9 m (6 feet by 3 feet) are being set. Both tanks are connected and the final outlet from
the tank goes to the soak pit. So the water from the tank is not discharged to the drainage, it is
environmentally better. Secondly the tank is precast so setting the toilet does not take much time.
People like it because it is easy to install and it serve their mindset to build septic tank. They still
consider leach pit as Government toilet. These are the probable reasons. The manufacturers are
local and now CDOT is also setting up the production centre in Patna district which will maintain
the quality and cost both.
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ANCHALIK based at Udaipur District of Rajasthan prepares Pre-Cast structures which is cost
effective and is in sync with rural environment and local culture. It has a well established
manufacturing unit with all necessary infrastructures.
GSBS, Darbhanga District, Bihar has introduced low cost toilets in which the leach pits are
constructed with the help of bamboo sticks. Bamboo scaffolds are made to cover the pits. A
concrete meso structure is built to ensure safe disposal of excreta. A total amount of INR 2,035
including labour costs needs to be invested to
construct this low cost toilet.
Lok Jagriti Kendra, Deoghar District of Jharkhand through its community driven approach has
brought massive behavioral change in the area. Community after realising the need have started
constructing temporary based low cost toilets. After arranging finance the temporary structures are
replaced by permanent structure.
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CLTS.
Its not an strategy or approach
rather it is a movement to mobilise
the community to having ODF in
their surrounding.
Flexible design innovated by
community people with many
options to choose form accordingly
to their affordability. with Local
inexpensive materials like bamboo,
plastic, tin used
PLACE-MADHUPUR
COSTING-STARTING FROM 200 TO
500 RUPEES
23-05-2014
Low Cost Toilet-Lok Jagriti Kendra
UNICEF partnership in Maharastra: A partnership was created with SACRED-Aurangabad, Unicef,
Mumbai and Finish Society for the project namely “Creating Sanitation Foot Print in selected GPs
of Bhokardan Block of Jalna District”. It started on 1st February 2014. The service area comprises
67 Villages and 52 Gram Panchayats from Bhkardan Block of Jalna District covering 24,878
Households and a population of 132,319. Details are in Annex 4.
A MOU has been signed between Gujarat Livelihoods Promotion Company and FINISH to provide
sustainable livelihoods for poor in the state of Gujarat. Precisely, the programme will bring social
entrepreneurial opportunities for SHG women through building their capacity in the areas of micro
insurance and promotion of household sanitation & hygiene.
Rural Distribution and Marketing Company
With an aim to create a corpus which can sustain all the current and future activities, FINISH
Society has planned to render services in the area of safe sanitation. It has started with corporate
houses like, Hindustan Zinc Limited and L& T Micro Insurance Company. The services are rendered
to the agencies against which it receives certain amount of services charges.
Dieuwertje de Vries, a MSc student from WUR presented her thesis on menstrual health (sanitary
napkin usage, quality, availability etc.) in India. FINISH is working on a Menstrual Hygiene project
with HZL and other agencies in Rajasthan, Which will be later replicated across all the states of
India. An opportunity exist for (improvement of) local production of sanitary napkins:
- Sanitary napkins should be designed carefully to meet the needs of women. Designs should
be made together with women, to optimise demand for the product and to get women
involved in the production of sanitary napkins.
- The material used for sanitary napkins should preferably originate from the area itself, so
that the production can be independent of large suppliers.
- The material used should be completely biodegradable and not harmful for the environment
when decomposed in soil.
Suggestions of setting up new Sanitary Napkin production units are the following:
- Use network of SHG’s and schools for creating demand through awareness. Once the demand
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-
-
is there, production can start and distribution of the product can at start be thought the same
SHG network.
In areas where use of SN is not common, focus on younger generations first (up to 35 years
old), as this is the easiest group to convince and there is a chance these women have more
knowledge about SN’s already (through education or advertisements). Elder women will be
more difficult to convince, as they have not been educated to the same level as is currently
obliged up to 12th standard. Also, they will see less necessity in changing from using cloth to
SN’s.
In areas where use of SN is common practice, the local product should have a higher quality
and a lower price for women.
Building association with diverse agencies:
Similar arrangements are being planned with UNICEF and others for promoting community level
safe sanitation programme. This is greatly facilitated by the numerical achievements of FINISH
(Graphs below).
Reuse of excreta / valorization of nutrients in excreta
The reuse of excreta is facilitated by the earlier technology choices. The most popular sanitation
system is a double pit system, whereby excreta can safely be reused after 2 -5 years depending on
whether it is first time usage and number of users. Keeping in mind that excreta has a value, has to
be made more explicit in a not very conducive current government environment, whereby for legal
(and one can easily argue justifiable) reasons2, transport of faecal sludge is severely restricted.
In Gujarat a pilot with the Foundation of Valsad Milk Cooperative has started on toilet linked
household biogas systems supported by ICCO, where about 2,000 households will install toilet
linked biogas units, till date about 800 have been installed. Research students from UNESCO – IHE
are carrying out a study to determine the presence of pathogens & helminths in the slurry and
determine safety features to prevent the same. During field visits however it has been observed that
due to cultural reason acceptance of TLBG is low from slurry handling and usage perspective.
Though some households were positive in terms of higher gas yields and reduced usage of chemical
fertilizers. To understand this better and communicate the same to the community a study is to be
carried out in 2014-15.
Similarly a project is underway in Papampatti, Tamilnadu on bottling biogas from a community
facility. Primarily WASTE will link initiatives in and outside India (e.g. WASH) to those under
FINISH, thereby hoping for a cross fertilisation.
With Morarka Organics, a leading manufacturer of agri-inputs and producer of organic food, FINISH
is piloting the composting and marketing of human waste, initial pilot of 10 tonne has just been
completed. Their findings are very encouraging.
Nature of Test: Chemical
o Organic Carbon 28.2 %
o Nitrogen 9.7%
o Phosphorus 59.55 ug/mg
o Potassium 1.5 %
o Calcium 1.13 me/100gm
2
Primarily to protect those, who had been assigned to manually carry and deal with human excreta.
15 | P a g e
Nature of Test: Biological
o E.Coli detection Absent
o Salmonella detection Absent
o Nematodes (Helminths) Absent
Locally there is biological waste available which can be recycled and reused as an Organic Manure.
Continuous use of the organic manure improves the biological texture of the soil along with its ability
to retain water. It will also help to conserve the nutrients which are mixed in the soil. As such the
Human Excreta are valuable resource of biomass, natural gas and bio-manure. By using Vermiculture
Technology, this important resource which otherwise a big health hazard and a major problem of
environment can easily be converted into very low cost and a very high value nutrient for
agriculture. Bio-manure produced from the human faecal contains more nutrients than chemical
fertilizers.
Marketing and Distribution of Human Faecal Compost:
Marketing Logo:
o The human faecal compost can be promoted in the brand name of Organic Manure
(Jaivik Khad/Sona Khad)
o As the final product was totally decomposed and odourless so there were no
challenges in promoting the manure.
Supply Chain:
o Through Distribution Channel: The products can be sold through retailers shops.
o Direct Selling: Many customers who purchase directly from the production unit, so
this can be sold directly from the production unit also.
o Through Nurseries: Small packing of 5 Kg can be sold through the nursery vendors
also.
Morarka Foundation’s working model is based on involving entrepreneurs. In Vermicompost they
developed the technology and handed over to the entrepreneurs who run the units as business.
Similarly here we hope to be able to scale it through replication by enrolling the entrepreneurs, train
them to run the units as their business.
16 | P a g e
Result 2.2: Financial closure through mixing of commercial and non-commercial funding
thereby pursuing sanitation MDGs
Milestone2013-2014: The Programme has established a range commercial and other-noncommercial by which sanitation can be financed. The ratios will vary per state and per partner and will
be as low as 0-1 as 12-1.
Indicator
Output
Targets 2013-2014
Results 2013– 2014
By the end of programme
75 partners, all

year 2, the financial closure of financial support
commercial and nonschemes documented
commercial financing is
taking shape through:

- Contract with each MFI
stipulating deliverables
- Mobilising different financial
support schemes (credit
guarantee, equity
participation, line of credit,
programme finance) catering

to higher financing demands

Outcome
By the end of the programme,
the percentage of commercial Ratios for different
funding vis-à-vis nonfunding routes
commercial funding for
different sanitation systems,
different organisations and
different regions in India is
established. This will serve as
much need benchmarks for
interventions elsewhere.
Sustainability By the end of the programme Two impacts studies
participating MFIs will be able will have been
to demonstrate the real
completed by UNU
benefits of improved
sanitation, compared to the
real costs. This means that
they can continue with littleor even without-external
support.
Finance Bank/MFI/ NABARD/
NHB/SHG Other): INR 288 M (€
4.11M). Almost at par with 201213 figure of INR291.51 M
Subsidy (partner leveraging Govt.
subsidy): INR 575 M (€ 8.21 M).
With strengthening relationship
with Government and by leveraging
tri-partite partnerships 2013-14
figures are nearly 276% of 201213.
Client contribution: INR 128 M (€
1.83 M). Strong demand creation
has resulted in 100% jump in client
contribution over 2012-13.
CSR support INR 5.3 M (€ 0.08 M )
Availability of finance for Sanitation
lending continues to be a challenge.
Because it is not treated as a ‘productive
loan’ and not clearly categorised as a
‘priority sector’ – comes under the
overall umbrella of ‘micro-housing’.
Data collection in Gwalior is complete. In
Tamilnadu it is work-in-progress.
Some Strategic Interventions made by Partner Organisations and FINISH are as follows:
Bank lending following Joint Liability Group (JLG) Model of NABARD: Joint Liability Groups
(JLG) are informal groups of 4-10 members who are engaged in similar or independent economic
activities and who are willing to jointly undertake (mutual guarantee) to repay the loan. In case of
17 | P a g e
default or death of a member, all other members jointly take the responsibility to re-pay the loan.
RDO Trust has successfully channelized sanitation loan from Bank of India and CANARA Bank
following JLG model and also through SHG bank Linkage. Following table projects the sanitation
loan secured by RDO trust:
RDO Trust: Construction of Toilets and amount of loan through SHG Bank linkage
Year
No.of. Beneficiary HHs
Loan Amount (INR)
April 2010 - March 2011
969
19,380,000
April 2011 - March 2012
506
April 2012- March 2013
3125
10,120,000
30,100,000
April 2013 – March 2014
7602
61,157,140
MOU signed between Hindustan Zinc Limited and FINISH. HZL provides INR2,500/toilet for
construction.
MOU signed between World Vision and FINISH Society wherein World Vision will provide INR
6,700/ toilet including management cost for FINISH.
The stronger ties with the Indian Government are clearly visible in Graphs 1.2 and 1.3 below. In
Graph 1.2 the subsidy from the Indian government for the first time exceeds the loan funding.
Though still limited, corporate social responsibility (CSR) funding has also started. As this is very
much track record based, and the Government has very conducive support policies, we expect CSR
funding to increase in time.
Graph 1.2: recent (2013-2014) sanitation system financing
18 | P a g e
In the overall financial scenario, loan financing still comprises the majority of counterpart
funding for sustainable sanitation. The total cumulative figure now stands at an impressive
INR 2.295 billion (about € 30 million).
Graph 1.3: Overall FINISH sanitation system financing
Result 3.1: Programme management, monitoring, evaluation, impact and dissemination
structures established (relations health, sanitation, grant and non-grant financing
sanitation)
Milestone 2013-2014: Virtual presentation of project performance (increase sanitation density);
FINISH presentation at SWW and other events.
Output
Indicator
Targets 2013-2014
Results 2013 – 2014
By the end of year 2 of the program the
monitoring system is developed and
operational: Programme management
committee Programme coordinator with
support staff; Baseline data, PRA/RRA
Key indicators health products and
iterative review process established
Virtual Presentation FINISH
implementation accessible
www.finishsociety.org
Exit strategy FINISH redefined
A robust concurrent
validation process in
place implemented by
the PIT members.
Partners are contracted
on ‘pockets of intensity’
approach so that they
are not dispersed and
easier to manage.
On a periodic basis
validation of partner
figures done using the
methodology as
prescribed by IFS/ UNU-
- Key non health indicators established
19 | P a g e
Merit. The cornerstone
of which is ‘random
selection’ of areas to be
validated.
Outcome
The results of the monitoring increase the
effectiveness of the programme
intervention by an annual increase in
demand for sanitation and micro health
insurance products.
Data on systems constructed
(passing 4,00,000 mark)
Systems contours will be
defined for impact analysis
Impact evaluation report with health and
sanitation baseline, control, basic loan
increase, with sanitation support services
and with sanitation support services and
micro health insurance. Also qualitative
differences in village life (post-FINISH), if
any, will be reported. The outcomes are
widely shared within India and outside.
Sustain- 50% of the MFIs include the monitoring
ability
system in their own monitoring
protocols.
FINISH monitoring system
visualised (modern media),
pilot started whereby
monitoring will strengthen
capacity of partner as
objective.
One of the objectives of FINISH is to work out development indicators: How much grant funding is
needed to support sanitation programmes? Earlier we reported this ratio on committed
amounts, so in last years annual plan it was reported as: grant to commercial financing is 1 to 8.7.
Commitments proved to be not a very good indicator and we had to downwardly adjust committed
amounts after several field inspections. We retain the indicator, ratio of grant to commercial
funding, but use actual figures.
Thus to do this exercise in a transparent manner, we take the entire FINISH soft support cost to
partners and compare this with the financial routes used. The existing financial routes used by the
partners and the total amounts raised are:
1.
2.
3.
4.
Micro finance & institutional finance viz cooperative, SHG etc INR 288 M (€ 4.11M)
Indian government subsidies, NBA (earlier TSC) INR 575 M (€ 8.21 M )
Micro finance and self-financing: INR 288 M + INR 128 M (€ 1.83 M).
Total finances raised: € 14.23 M
20 | P a g e
The different totals are graphically depicted against the DGIS grant expenditure in 2013-14 of €
670,915.
The various ratios are depicted in Graph 1.4 and Graph 1.5.
Graph 1.4 the leveraging of DGIS grants to micro finance (MF), Indian government financing, microfinance and self-finance and total financing
The Graph above shows that the leverage ratio of DGIS financing to local financing is well over 1:20,
higher than the anticipated 1:10 at the moment of the FINISH design !!
Another ratio, which is of interest is the distribution of DGIS grant amongst different categories in
2013-14, viz – WASTE (management, technical advisory services and programme management
board), Project Implementation Team (PIT including local office), partners capacity development
and awareness raising, income generating activities (mainly Sanitation Investment Fund) output
based aid, monitoring & evaluation and impact evaluation
21 | P a g e
Graph 1.5: distribution of gross DGIS grant (gross amount € 670,915)
Changes in monitoring:
Efforts have been taken to simplify and strengthen monitoring. Earlier periodic controls have now
been revised whereby project implementation team members on a regular basis check performance
of the MFIs using random sampling in accordance with methodology approved by the Institute of
Fiscal Studies (IFS, UK).
For monitoring and verification purposes, FINISH checks whether:
 Is the number of households in a village (total population) is reported correct. This is
checked against Census data/other available government sources for validating this
information.
 number of households in the village with a toilet (in use) is correctly reported.
The improved method used for baseline data collection is thus data collection by partner (primary
data collection by its field staff) with random assessment by PIT members, results in proper
baselines for each partner.
On random basis verification will take place (5%) of the partners and (5%) area by a truly
independent agency. With this we expect that the ambiguity in baseline data will be resolved.
The crucial aspect in the simplified monitoring is that it should be random. To do random sampling
and determine the sampling size FINISH has started using softwares as suggested by IFS.
The monitoring method seems workable and more reliable data are being collected. To bring
additional rigour to the system independent monitoring agency will be appointed for random
sampling and evaluation of the simplified monitoring tool in the field. Though Entrepreneurship
Development Institute of India and other agencies have been approached yet there has been no
response.
The Mid-term Evaluation is planned using Akvo technology platform & an Independent Evaluator
Dr Shome
22 | P a g e



Selected states: Odisha, Gujarat, Tamilnadu
Partners:
o MFIs – Gram Utthan, Prayas, BWDC
o NGOs including SHG Bank linkage models – RDO, DNC
o Milk Coop – AMUL
Micro-Insurance: DNC, Gram Utthan, Nigam
The contracts for the same are issued. Trainings to begin from May 2014 and data collection from
June 2014.
4.1 Livelihood for 5,000 people, primarily women, established
By mistake the quantitative target of this result was not adjusted to reflect the toned down scale of
FINISH from 1,000,000 to 500,000 safe sanitation systems. This means that the livelihood
generation needs to be downscaled similarly to livelihood for 5,000 people, primarily women,
established.
Partners are requested to report on it and their experience will be after verification documented. We
do anticipate that the focus on sanitation supply chain, the business angle and the (re)use markets
result in moving towards these targets.
Milestone 2013-2014:
Indicator
Output
Targets 2013-2014
Number of newly
7 Product markets
established MSMEs through combination (PMC)
the program
Documentation of
various enterprise
Results 2013 – 2014
Approx. 700 animators and 175 project
coordinators engaged.
Approx. employment/ number of man
days generated for masons: 467709
mandays (@3.5 md/ ss) valued at INR 164
M (Euro 2.34 M)
In 5 districts of Rajasthan 200 odd masons
are working supported by 100 helpers. On
an average every mason is earning INR
4000 pm (Highest earning for mason has
reached upto INR10000 pm) through our
RSM operations earlier it was not more
than INR2500. Moreover it was not
consistent. This intervention by providing
livelihood at the village has helped, though
in a very limited way, curb seasonal
migration of labour to nearby big cities.
RSMs Rajasthan: FINISH supported RSMs /
vendors employ For manufacturing
bricks, slabs and precast structures:
23 | P a g e





Outcome
By mid term of the
programme 3000 women
have increased earnings
Sustain- Savings of up to 20% of
ability
family freely disposable
income (in terms of totally
family income about 3-4%)
due to lower costs for health
related expenses
Machine Operators 10 nos INR
10000 – 15000 pm.
Support staff 40nos INR 5000 pm.
Contractual 30 INR 250 per day
50% female workers
vendors have engaged villagers in
local transportation, loading,
unloading and driving jobs etc.
Data will be qualified and
quantified
Impact survey expected
this year which may
confirm the hypothesis;
another survey from one
of our partners to be
seconded academically
The support rendered to the implementing partners is done mainly by the project implementation
team. The zonal heads are strategically located in different states of India. This is depicted
graphically in Figure 1.6.
24 | P a g e
Figure 1.6: The Project Implementation Team
25 | P a g e
4. CONCLUSION
1. In terms of number FINISH is on track, every 3 minutes for 24 hours a day, 7 days a week a
total is being added. Cumulative this adds to well over 100,000 safe sanitation systems per
year. Together with the close to 300,000 safe sanitation systems already constructed, the
target of 500,000 safe sanitation systems by 2016 will be met.
2. Different MFI partners have developed different types of sanitation loan products. Thus one
of the objectives of the programme is achieved, MFIs have diversified their portfolio and
offering sanitation loans. Those outside the FINISH project areas are not counted to the
FINISH numerical achievements described above.
3. In terms of pro poor financing or financial inclusion of the poor FINISH is on track. The
earlier exclusive focus on micro finance has now been expanded to a broader access to
financial services for the poor. This includes access to micro finance, government subsidies,
cooperative soft loan financing, CSR funding and revolving funds. Thus the funding is no
longer exclusively based on commercial micro finance, but it also includes these other
categories. The subsidy programmes are run in partnerships with local government. The
main advantage is that now people who were before excluded, i.e. the ultra-poor, can be
included in the sanitation drive. Thus it certainly contributes to the financial inclusion
paragraph of FINISH.
4. Another part of the financial inclusion, micro health insurance, is for different reasons not
yet on track. Some 8 MIAs have been contracted, several training programmes have been
conducted, yet this has resulted in about 2500 being sold. One of the reasons is the
availability of the Rastriya Swasthya Bima Yojana (RSBY) in the rural setup which has a
highly subsidised premium (Rs.30/- only for family floater) with entire family coverage Rs.
30,000. Yet efforts are underway to pursue sanitation in a sustainable way.
5. Sanitation: demand creation continued in strong numbers and also qualitative. In 2013-14
another focus area was added: the sanitation supply chain and the ensuing business
opportunities as well as exploring the (re) use of excreta. Presently FINISH society along
with other NGO/ firms/ entrepreneurs partners is engaged in supply chain activities in 5
Districts of Rajasthan. In other states innovations are recorded on cost of sanitation (Bihar,
Tamilnadu) and type of sanitation (Rajasthan, Gujarat).
6. Reuse of excreta is facilitated by the earlier technology choices. The most popular sanitation
system is a double pit system, whereby excreta can safely be reused after 2 -5 years
depending on whether it is first time usage and number of users. Several types of reuse
systems are piloted at a certain scale, community biogas and co-composting of faecal sludge.
It is hoped that some significant numbers will be achieved in 2014.
7. The financial sustainability of the Finish Society is in progress. Activities in different states
are generating some revenues. In the course of 2014 a detailed business plan will be
prepared and presented to the programme management board for adoption.
26 | P a g e
ANNEX 1: FINANCIAL REPORT
Budget Trends, Principles & Structures
Trends
The budget revision requested for during the annual plan 2014-2015 has been used.
Correction in the adding of one column had been affected.
The expenditure is lower than budgeted due to the budget neutral extension. The remaining funds
had to be spread out over 2 more years.
Corrections over earlier year expenditure have been effected in the 2013-2014 budget so as not to
affect the future years.
Having local resources on the ground (PIT members) means that it is much easier to predict which
partners will be entitled to Output Based Aid for those partners that have reached the sanitation
coverage target and this has been verified.
Increasingly FINISH Society is getting enquiries from other parties and local collaborations have
started with number of those including Government departments and UNICEF. Though these are
directly resulting from the project, they are not reflected in the FINISH expenditure as they have no
direct bearing on it.
Budget principles & structure
More and more partners are contracted through the local Project Office. The project office has
adopted the WASTE standard of accounting.
Work advance & Contracts
Contract was signed with the FINISH Society to manage the currently 60 + partners. Separately
WASTE has a contract with two partners – innovation through local Government with RDO Trust –
under implementation, with the Institute of Fiscal Studies, UK for an impact survey of sanitation
and health insurance (co-funded by the World Bank). The earlier made commitment to the Social
Equity Foundation will shortly be contracted in full based one the programme management board’s
acceptance.
There are a few outstanding contracts from earlier years. These are closely monitored and will be
settled once deliverables are met.
27 | P a g e
FINANCIAL DATA
Project Financial Inclusion Improves Sanitation and Health
(FINISH)
Reference DMW/CU-415/09
Reporting Period: 1 April 2013 – 31 March 2014
Accountancy Cost WASTE (AVK)
As per revised budget Annual Plan 2014-2015
Report
Code:
REAL
BUDGET
DIFFERENCE
01/04/1331/03/14
01/04/1331/03/14
Consultancy
WASTE advisory and managerial services
811
42,502
Consultancy - Field Work WASTE
812
83,409
Documentation/ Reporting WASTE
813
2,630
-2,630
External consultants
815
6,049
-6,049
Sub Total
Programme management board (complete costs, travel, allowances,
facilities (Euro 6000/meeting))
23
Sub Total
-42,502
98,177
14,768
134,591
98,177
-36,414
-4,934
24,144
29,078
-4,934
24,144
29,078
Project Implementation Team - India (PIT)
Programme Manager
816
2,033
Trainer
21
157,495
Monitor
22
-44,569
Travel PIT India
29
Sub Total
-2,033
58,571
-98,924
44,569
704
-6,914
-7,618
115,662
51,657
-64,005
Promotional
Film (3 Films/ 6 Lang)
60
2,635
-2,635
Film Viewings at Village Level (at Euro 5 / viewing)
Handbills/Flyers/etc (5 types/ 6 lang, 30 million pieces at Euro 0,0025
piece))
61
-5,206
5,206
62
-4,216
4,216
Board Games etc
63
9,363
-9,363
Awareness creation/animators/comm organizers
64
87,580
66,857
-20,723
Contests
69
4,286
2,857
-1,429
28 | P a g e
Sub Total
94,442
69,714
-24,728
IGA
Training Support (construction/Plumbing/consumables)
53
-12,211
-36,393
-24,182
Sanitation Investment Fund
81
127,011
37,000
-90,011
Misc. environment support *
59
-445
19,333
19,778
114,355
19,940
-94,415
120,513
-28,571
-149,084
Sub Total
Output Based aid (increase 300 - 1140)
All Villages 50% coverage (assuming 100%, Euro 1.25)
56
Villages 70% coverage (assuming 80%, Euro 2.5)
57
0
Villages 95% coverage (assuming 80% euro 2.5)
58
0
Nirmal Gram Incentive GOI 100%
Sub Total
120,513
-28,571
-149,084
International Travel/Study Tours/ Conf
51
2,366
12,666
10,300
Workshop
52
5,920
-13,357
-19,277
Healthdata Collection, Monitoring,Evaluation,etc
54
104,610
40,047
-64,563
112,895
39,356
-73,539
Sub Total
Independent mid-term and final evaluation
Financial Control WASTE (AVK)
817
0
Accountancy Cost WASTE (AVK)
24
0
PIT Financial / secretary (AVK)
25
PIT Talic National Support (AVK)
26
Project office expenditure India (AVK)
27
-5,634
19,286
24,920
Office Infrastructure India (AVK)
28
857
7,143
6,286
Total overhead
-16,610
26,429
43,039
GRAND TOTAL
670,915
300,846
-370,069
-11,833
11,833
0
29 | P a g e
Project Financial Inclusion Improves Sanitation and Health (FINISH)
Reference DMW/CU-415/09
Reporting Period: 1 May 2009 – 31 March 2014
Accountancy Cost WASTE (AVK)
As per revised budget Annual Plan 2014
REAL
REAL
REAL
REAL
REAL
TOTAL
BUDGET
REAL
Report 01/05/09- 01/04/10- 01/04/11- 01/04/12- 01/04/13- 01/05/09- 01/05/09Code: 31/03/10 31/03/11 31/03/12 31/03/13 31/03/14 31/03/14 30/04/16
AVAILABLE
FUTURE
YRS
Consultancy
WASTE advisory and managerial
services
811
52,958
24,860
29,738
14,743
42,502
164,800
Consultancy - Field Work WASTE
812
52,539
45,275
55,691
32,124
83,409
269,038
Documentation/ Reporting WASTE
813
135
2,714
960
3,334
2,630
9,774
-9,774
External consultants
815
24,659
7,170
73,413
1,779
6,049
113,070
-113,070
130,291
80,019
159,803
51,979
134,591
556,682
716,624
159,942
23
5,844
6,522
10,280
31,155
-4,934
48,867
127,947
79,080
816
30,438
30,000
31,037
12,572
2,033
106,080
Trainer
21
10,890
12,444
3,866
109,369
157,495
294,064
780,734
486,670
Monitor
22
12,815
58,813
42,648
-44,569
69,706
240,249
170,543
Travel PIT India
29
2,529
7,005
25,013
96,456
704
131,707
43,857
62,264
118,728
261,046
115,662
601,557
1,020,983
419,426
21,905
37,650
2,635
92,461
95,540
3,079
Sub Total
Programme management board
(complete costs, travel, allowances,
facilities (Euro 6000/meeting))
-164,800
716,624
447,586
Project Implementation Team - India
(PIT)
Programme Manager
Sub Total
-106,080
-131,707
Promotional
Film (3 Films/ 6 Lang)
Film Viewings at Village Level (at Euro
5 / viewing)
Handbills/Flyers/etc (5 types/ 6 lang,
30 million pieces at Euro 0,0025
piece))
60
30,271
61
6,271
3,077
2,011
9,347
-5,206
15,500
-15,500
62
4,031
2,061
1,107
8,275
-4,216
11,258
-11,258
Board Games etc
63
3,019
2,746
1,697
19,639
9,363
36,464
111,281
30 | P a g e
74,817
Awareness creation/animators/comm
organizers
64
Contests
69
Sub Total
53
Sanitation Investment Fund
81
Misc. environment support *
59
Sub Total
56
26,072
33,793
84,874
102
45,563
IGA
Training Support
(construction/Plumbing/consumables)
Output Based aid (increase 300 1140)
All Villages 50% coverage (assuming
100%, Euro 1.25)
Villages 70% coverage (assuming 80%,
Euro 2.5)
Villages 95% coverage (assuming 80%
euro 2.5)
1,972
87,580
234,290
489,568
255,278
4,286
4,388
11,531
7,143
33,956
60,616
159,785
94,442
394,362
707,920
313,558
4,849
14,104
161,233
-12,211
167,974
253,873
85,899
29,813
58,379
50,658
127,011
265,861
249,850
-16,011
65,951
23,324
-13,955
166,488
-445
241,364
299,808
58,444
65,951
57,986
58,528
378,379
114,355
675,199
803,531
128,332
-14,115
151,444
120,513
420,976
500,421
79,445
163,134
57
14,244
58
14,244
-14,244
0
0
Nirmal Gram Incentive GOI 100%
Sub Total
International Travel/Study Tours/
Conf
Workshop
Healthdata Collection,
Monitoring,Evaluation,etc
163,134
0
-14,115
165,688
120,513
435,220
500,421
65,201
51
2,704
12,383
-4,524
17,251
2,366
30,179
65,814
35,635
52
8,017
3,111
25,029
58,517
5,920
100,594
170,565
69,971
54
74,821
7,975
12,488
63,970
104,610
263,864
307,968
44,104
85,542
23,469
32,992
139,737
112,895
394,636
544,347
149,711
Sub Total
Independent mid-term and final
evaluation
Financial Control WASTE (AVK)
817
0
Accountancy Cost WASTE (AVK)
24
PIT Financial / secretary (AVK)
25
1,452
PIT Talic National Support (AVK)
26
2,203
Project office expenditure India (AVK)
27
4,254
2,567
10,326
44,765
-5,634
56,278
125,648
69,370
Office Infrastructure India (AVK)
28
1,974
8,145
8,603
0
857
19,579
27,579
8,001
Total overhead
9,882
24,108
39,387
61,816
-16,610
118,584
153,227
34,643
GRAND TOTAL
550,065
288,324
670,915 3,225,107
4,575,000
1,349,893
13,396
20,458
17,051
466,219 1,249,585
-11,833
0
0
40,524
-40,524
2,203
-2,203
31 | P a g e
DGIS Fiche
A. Project Details
Name activity
Financial Inclusion
Improves Sanitation
and Health (FINISH)
For use by the DGIS
Department of Water
and Environment
Organisation of
implementation
Countries of
implementation
Activity
number
Date of
reporting
WASTE
Initials
India
19866
28/6/2013
Date
B. Planning
Investments
Drinking Water
Sanitation
Total
1.Contribution DGIS
€
€ 2,554,192
€ 2,554,192
2.Contribution other
ODA (Indian Govt.
subsidy)
€
€ 2,621,899
€ 2,621,899
3.Contribution nonODA
€
€ 4,932,036
€ 4,932,036
4.Total
€
€ 10,108,126
€ 10,108,126
Output (# of people)
Drinking Water
Sanitation
5.Total number of
beneficiaries
(#)
818,805
6.Numbers attributed
to DGIS
(#)
206,901
7.Unit price (4) / (5)
€
12.3
32 | P a g e
C. Attribution of output
Output
Period
Drinking water
Total # of people
provided
# of people
attributed to
DGIS input
Sanitation
Total # of people
provided
2007
2008
2009
2010
2011
2012
2013
2014
2015
# of people
attributed to
DGIS input
650,000
1,100,000
818,805*
1,418,805
2,418,805
2,918,805
2,918,805
Total
206,901
250,000
275,000
300,000
300,000
*This is due to the downward adjustment
D. Sustainability
Period 20 .. , 20 .. (if applicable)
Drinking water
Number of checks (# samples
Number
drawn) still functioning (%
Corrective
measures
taken
properly used
facilities)
Sanitation
#
%
YES / NO
#
%
YES / NO
E. Comments
Sustainability is targeted in a number of different ways:
1. Sanitation awareness raising leading to increased demand for toilets. This demand is met
through a number of different financial routes (see text, in response to the MFI crisis in
India)
2. UNU has started the first impact analysis with Sambhav in Gwalior, Madya Pradesh (urban)
3. Output based aid payments have been effected with few partners, e.g. Amul in Gujarat.
4. The numbers have been adjusted downwards as has been specified in the text.
33 | P a g e
Annex 2: Activity wise Yearly Progress Summary Data: FINISH ( State: FY: 13-14)
Activity
Sl
No
Total
Particulars
Bihar/JKD
Rajasthan&MP
Odisha
UP
Maharashtra
Gujarat
Number
No. of
People
Covered
500
86
39
32
2
97
756
15000
9000
2410
155
226
8345
35136
Film Showing
Number
No. of
People
Covered
665
120
273
18
22
59
20
1177
15800
8250
19220
262
2700
3702
719
50653
Number
No. of
People
Covered
3400
3000
7500
65
9300
15000
5260
43525
C
Leaflets
Distribution
(av 5 persons
/ leaflet)
17000
15000
37500
325
46500
75000
26300
217625
Number
No. of
People
Covered
43
65
17
16
10
114
4
269
D
Wall writings
(av 500
persons /
WP)
21500
32500
8500
8000
5000
57000
2000
134500
SHGs
Meetings
Number
No. of
People
Covered
945
150
1110
98
81
153
77
2614
7020
2000
13000
2343
4326
2446
1988
33123
PRI Meetings
Number
No. of
People
Covered
25
59
38
31
128
185
11
477
83
910
232
248
5140
897
133
7643
School
Activity
Number
No. of
People
Covered
17
28
18
16
59
18
7
163
3400
4100
2063
165
7209
2076
374
19387
*Others;
Street
Play/etc.
Number
No. of
People
Covered
27
17
1
0
48
93
1090
85
0
8100
24275
Animators
Trainings
Number
No. of
People
Covered
10
3
6
2
2
1
24
197
80
116
42
48
20
503
Ref.Animators
Trainings
Number
No. of
People
Covered
1
0
0
5
45
Mason
Trainings
Number
No. of
People
Covered
Total
Events
Total
People
Awareness
Campaign
A
B
E
F
G
H
I
J
K
15000
4
180
Tamilnadu
Total
0
0
225
8
2
3
3
2
18
153
65
67
70
47
402
5640
3517
9021
280
9607
15677
5379
49121
95153
72085
84198
11670
71219
157633
31514
523472
34 | P a g e
LJK
List of Stakeholders in FINISH
Banks /
Government PMB & GB
Financial
PIT Members
Agencies
Members
Institutions INGOs
Mrs. Sapna Verma
Mr. Valentin
Canara
Singhal
NABARD
Post
Bank
UNICEF
Punjab
Mr. Saurabh
Government of Mr.
National
Pandya
Rajasthan
N.K.Perumal
Bank
World Vision
Needs
Mr. Saurabh
Agnihotri
Partners
Gram Jyoti
GSBS
Navjagriti
Gram Jyoti
CDOT
NIDAN
IKARD
BJUP
Co-Idea
RUCHC
READ
DA
IHDAWC
SEDP
PARIVARTAN
Mercy
Foundation
Mr. Sarojkant
Chaudhary
Mr. Santosh
Kashyap
Mr. Roshan J
Mr. Rangarajan
Nagarajan
Mr. Rakesh
Kumar Mewara LTI
Mr. Pradeep
Mohanty
1. Dungarpur
2. Udaipur
3. Bhilwara
4. Chittorgarh
5. Tonk
6. Alwar
Mr. Nirbhay Singh 7. Baran
Mr. Nehal Ashan UNICEF
8. Jalna
Mr. Naveen
Rajoriya - UNICEF 9. Deogarh
Mr. Naval Sharma
- UNICEF
Mr. Khengarbhai
Jethabhai Rangi
Mr. Theo
Brouwers
Mr. Suresh
Krishna
Ms. Britta
Augsburg
Mr. Sadanand
Bhave
Bank of
Habitat for
India
Humanity
Manveeya
Holding
(Oiko
Credit)
L&T General
Insurance
ICCO
National
Housing
Bank
ACCESS-ASSIST
Swarana Pragati
Housing Micro
finance Pvt.Ltd
NABARD
Mr. A.
Sahasranaman
Mr. Abhijit
Banerji
Mr. Vijay
Athreye
Mr. C.
Gopalakrishnan
Mr. Saurabh
Pandya
Mr. Saurabh
Agnihotri
Mr. Pradeep
Mohanty
Mr. Kailas Sawant
Mr. Gaurav
Bhagat
DNC
Mr. Devdeep Saha
Mr. Ashutosh
Agarwal
Mr. Arunav
Chakraborty
Mr. Anil SawantUNICEF
NIGAM
Mr. Abhijit
Gram Utthan
District
Mr. Joydeep
Administration Roy
Corporate/
Others
Hindustan Zinc
Ltd
35 | P a g e
Banerji
Sebajagat
Kalpavrikshya
Mr Kshirod
Jenamani - LTI
Mr Rajesh
Chaturvedi
BASK
Mahasakti
Foundation
Peoples Forum
RRDC
SMCS
Swayamshree
BMASS, JNP
BMASS, Katu
AMUL
Prayas
GVT
MDRTTC
NCT
IRCEDE
Sacred
Dharni
SANCHETANA
UNICEFDUNGARPUR
Anchalik
Kalyani
DNS
VAMA
Cashpor
NYST
SIR
SRAJAN
PACE
AHEAD
BWDC
RDO
MNEC
GRAMIAM
Gram Bikas
kendra
36 | P a g e
National Allaince
for Microfinance
(NAM)
Janseva Gramin
Vikas & Shikshan
Pratishtan
Navya Disha
37 | P a g e
38 | P a g e
Annex 3: Supply Chain Model
BUSSINESS
D
I
S
C
O
V
E
R
unicef/govt.
• State Govt. /UNICEFMOU
to FINISH
D
I
S
I
G
N
Specifications
• Work within the
suggested guidelines of
Govt Technical and
Budgetary specifications.
D
e
l
i
v
e
r
3D MODEL
Demand Generation
Localization
Aggregation
• Motivation
•Audio/Video Aids
•Community Meetings
•PRI Workshops
•Community Led Total Sanitization
• Explore and Analyse Local Entrepreneur
•Presenting Business Case based on Risks
and Rewards Model
•Align Enterpreunsers with New
Technologies', pertaining to reducing their
cost model and increase profitability
•Using Cluster
approach, create
mutually beneficial
relationship between
Local Entrepreneurs
and Major Vendors
pertaining to Larger
Financial Credit lines
for Raw Material &
Production
INSIDE the BOX
•Innovations at it’s best,
leveraging Industry experience
and channelizing the same into
practical, sustainable, and
profitable results.
Research &
Analysis
•Continuers Improvement
in Design using deep down
expertise of Local
Entrepreneurs / Vendors..
RESULT
Transportation
Installation
Approval
• ON-SITE delivery of the
finished product delivered
by Vendor/Supplier under
the supervision of FINISH.
• Stake Holder /
Beneficiary’s responsibility
for assembling the
structure.
• FINISH & Respective State
Officials approve Structure
based on Compliance.
• Cost Effective and
Profitable, Socially driven
Enterprise Model,, i ..
39 | P a g e
Annex 4: UNICEF partnership in Maharastra: A partnership was created with SACRED-
Aurangabad, Unicef, Mumbai and Finish Society for the project namely “Creating
Sanitation Foot Print in selected GPs of Bhokardan Block of Jalna District”. It strated on
1st February 2014. The service area comprises 67 Villages and 52 Gram Panchayats from
Bhkardan Block of Jalna District covering 24,878 Households and a population of 132,319.
Details are below.
The objectives of the project are as follows Mobilize community to demand sanitary services including adopting hygiene
practices.
 Bring about behavioral changes in the community for improved water sanitation
and hygiene (WASH) practice.
 Accelerate the sanitation coverage and usage in the identified Gram Panchayat of
Bhokardan block of Jalna District by building local capacities for toilet demand and
supply.
 Setting up and operating of a one stop shop in form of Rural Sanitary Mart (RSM)
 FINISH will try and meet sanitary hardware requirement by facilitating the linking
of individual household with NBA and MGNREGA and also by offering wide range of
technology choices. While FINISH together with UNICEF will try and facilitate access
to these subsidies yet the same cannot be guaranteed which may adversely impact
construction.
 To make community own the program by ensuring participation through existing or
new village level sanitation committee.
 To make available relevant and affordable micro-health insurance products to the
community and provide an incentive for those having sanitation facilities.
 Create supplementary livelihood for field workers through distribution and
servicing of insurance products.
Activities Carried Out:
 In view to build the local team of animators and project staff, we organized the
Training of Animators from implementing partner SACRED-Aurangabad, at Kailas
Mangal Karalaya-Bhokardan, Dist, Jalna, during 21st to 23rd February 2014. In this
training there were 22 participants.
 A 2 days CLTS practical training under expertise of Mr. Naveen Kumar from
Rajasthan and Mr. Saurabh -ZC-West during 24th and 25th February 2014 at Village
Jainapur Kothara and Goshegaon respectively was carried out. There were 226
participants. All the team members appreciated the usefulness of the technique
/tool not only to enhance the awareness among project community on safe
sanitation but also to generate the demand for sanitation system construction. This
exercise helped all the team members to understand the innovative way to create
the sanitation awareness and demand. At the end of training all members were very
happy to learn CLTS tool.
 In view to validate the baseline data of sanitation project implemented in
Bhokardan Block of Jalna District we visited the Village Kothara Jainpur and Mohalai
on 13th& 14th March 2014 respectively. All the project team members including the
40 | P a g e







villagers realize the benefit of concrete and well validated data for effective project
implementation.
We organized the two days training of Animators on Use of IEC material on 3rd and
4th April 2014 at Panchayat Samittee Bhokardan. 20 participants were attained this
training programme. During this training we also organized the practical exercise on
use of developed IEC tools in villages namely Baranjala Sable and Nalni Br. In
Bhokardan block. The participants understand the process of use of IEC tool and
realize the effectiveness of different IEC tools for community awareness and
demand generation for safe sanitation systems.
We organized the mason training at village Janephal Dabhadi during 9th to 12th April
2014. There were 22 mason participants. During the training we constructed 2
prefabricated toilets, 1 UDDT and 2 regular brick masonry toilets etc. Response
masons to the mason training was very excellent. All the participants were
appreciated the input provided. Mr. Lonkhande, BDO Bhokardan visited the toilet
constructed during the mason training. He appreciated the prefabricated toilet
model. During the closing ceremony we provided the certificate to all participated
mason with hands of BDO Bhokardan.
Developed and distributed the IEC tools including poster, games and flip charts etc.
Organized the 2 monthly review meeting of animators and project staff in view to
enhance project implementation.
On 3rd May 2014 we organized the exposure visit Sarpanch, Teachers and villagers
from service area to Nirmal Gram award winner village namely Patoda Tal & Dist.
Aurangabad. There were 72 participants. Mr. Bhaskarrao Pairepatil, promoter of
Nirmal Gram Patoda was shown the toilets and cleanliness maintained in village
with other activities and explained the process under take to achieve the Nirmal
Gram Status. All the participants were motivated by the safe sanitation work in
Village Patoda.
We conducted the series of meeting with District as well as Block level Government
authorities for establishment of Sanitation Park with rural sanitary mart [RSM] at
Panchayat Sammittee Bhokardan of Jalna District. Finally the Ms. Perna Deshbhartar
[IAS], CEO Jalna has given the green signal for establishment of RSM and Sanitary
Park by FINISH Society at Bhokardan.
In view to promote the micro health insurance initiatives in service area, we
selected the 10 MISP’s. In coming month we have plan to organize the capacity
building training of selected MISPs.
Key Challenges:
The key changes in the project are as follows Establishment of adequate and efficient supply chain to address the demand created…
 Establishment and Strengthening of CBOs viz. VWSSC/VPDC...
 Motivation and Capacity building of IPs and project staff for effective project
implementation.
41 | P a g e