delivery of microfinance and the sustainability of microfinance institutions

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1 2010 Toronto Microfinance Conference Delivery of Microfinance and the Sustainability of Microfinance Institutions Can ABCD affect delivery and sustainability? by Martha Deacon Founder and CEO The Townships Project

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Delivery of Microfinance and the Sustainability of Microfinance Institutions. Can ABCD affect delivery and sustainability? by Martha Deacon Founder and CEO The Townships Project. Delivery of Microfinance and the Sustainability of Microfinance Institutions. Asset-Based Community - PowerPoint PPT Presentation

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Page 1: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

12010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

Can ABCD affect delivery and sustainability?

by Martha DeaconFounder and CEO

The Townships Project

Page 2: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

22010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

Asset-Based Community

Development2 October 2010

Page 3: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

32010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

The Unicycle

Microfinance

Loan Limitations:1) 20% max voluntary;

80% necessity2) “whack-a-mole”

jealousy;3) Too many doing the

same thing4) Building assets &

infrastructure

Page 4: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

42010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

The Bicycle

Asset-BasedCommunity Development

Let’s use what we have to get what we want

Page 5: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

52010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

Belief A community can use what it has

to get what it wants – Coady International Institute

St. Francis Xavier UniversityAntigonish, Nova Scotia

Page 6: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

62010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

Mathopestat

September course inCanada

November workshop in South Africa

Page 7: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

72010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

Mathopestat in March

New confidence, newSuccess in the fight against poverty

Page 8: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

82010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

Case Study 1 - IndividualSanah saw herself as a victim. She was raped first when 8 years old by a teacher and then again at 18. She became pregnant and HIV positive. Distraught, she left her community in shame for Johannesburg. Unable to find work, she returned to her village and stayed with her mother, depending on grants. After an ABCD workshop, Sanah was empowered. She took the lead in organising a community forum, becoming vice chair and is now a respected, elected community leader. She told her story for the first time to a conference held in March in the Senate Chamber at UNISA – The University of South Africa. No longer a victim, she’s an advocate for those living a positive life with HIV.Sanah

Page 9: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

92010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

Case Study 2 – Business• Joel, 68, an unemployed pensioner• Started a poultry business• Bought a Farmers Weekly, read about raising broiler chickens• Invested his own funds, constructed a chicken coop outside his home• Started with 100 eggs; now sells his chickens every 6 weeks for R45 each• R32,000 ($4,500) a year business • He meticulously follows vaccinations and records all his expenses• Has since started a Business Society to mentor unemployed youth in his communityJoel

Page 10: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

102010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

Case Study 3 – CommunityThe village formed a community forum and initiated a number of community projects on their own, based on their own priorities and with no initial outside funding. They began a community policing forum in association with the local SAPS office and started patrolling their streets. They started cleaning up the streets and built a fenced area for their cattle. They started a 2,000 ha community food project that is worked on by 100 villagers. The community forum now manages all their own partnerships.

Page 11: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

112010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

How did they do that?• Asset-Based Community Development• Asks the question: What do we have?• Starts with appreciative inquiry• Builds the community’s balance sheet

Page 12: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

122010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

• Asset-Based Community Development• Then the income statement• And then…

Page 13: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

132010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

• The Leaky Bucket !!• What goes in?• What leaks out?• What stays inside and circulates to build community assets?

Page 14: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

142010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

Leaky Bucket Exercise leads to

Community Development Planto generate more assets and income

to create businesses and jobs

Page 15: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

152010 Toronto Microfinance Conference

Delivery of Microfinance and the Sustainability of Microfinance Institutions

Asset-BasedCommunity Development

can turn theUnicycle of Microfinance…

Page 16: Delivery of Microfinance and the  Sustainability of Microfinance Institutions

162010 Toronto Microfinance Conference

Into a SchoolBus!

Where the community is focused on using what it has to get what it wants