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: Cost-Effective way to target the poor by CASHPOR
I'd like to jointly create this type of social venture in my home town:
You can create a Social Venture in your home town based on the business model in this page. The Social Entrepreneur Institute will assist you to make a business plan, funding the project and provide a More information on the Social Entrepreneurship Institute

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About Your Project: Reference Project:

Company/Organization: Cost-Effective way to target the poor by CASHPOR

Project Code:

CategoryID:
Asia

County:

City:

Please write about your business concept in five paragraphs with sub-title for each

Answer: Briefly describe the usefulness and uniqueness of your social venture I see the two parts of this topic as very much interrelated. We are not talking about methodology for reaching the poorest on the one hand and covering costs on the other. We're talking about cost-effective targeting or cost-effective identification of the poor. Now, why must we put some effort into identifying the poor? Why can't we just offer our services to everybody in the rural areas and let them decide whether they want to participate? Well, this is one of the relatively unknown secrets, I think, of the success of the Grameen Bank. Not widely known is the fact that it is exclusively for people below a certain asset wealth line. In the case of Grameen Bank, it's 50 decimals of average agricultural land and household assets of not more than the value of one acre of agricultural land in the area concerned. So Grameen is exclusively for households below that line. And this was developed because of Professor Yunus' observation that many...so-called poverty-focused programs throughout

1: Cost-effective method - Housing Index

1: Issues to be addressed by this social venture (or case) All of the replications under CASHPOR have followed that basic principle. We have spent a lot of effort trying to adapt the Grameen approach to identifying the poor to other conditions in other countries in the region.... We feel we have, now, a very cost-effective way of identifying the poor that works in most conditions throughout Asia-with some adaptation always necessary. But the basic tool, which I will describe as the housing index, holds from China to Vietnam to The Philippines, Indonesia, North and South India, Bangladesh, and so forth. We have moved away a bit from Grameen's targeting, which involves a household interview, because we feel a household interview is too expensive and produces information of questionable reliability-validity-especially if you focus on household income.... So we have found an indicator that we think, in most cases, enables us to identify about 80 percent of the poor very quickly. And that is what we call the house index.... There are three dimensions of the house, and we can look at it from the roadside. We don't have to conduct any interviews. We just go up and down the lanes in the village and map the houses which appear to be qualified. We look at the size, we look at the physical condition or building materials, and we look at the material of the roof.

2: Housing Index is complemented by PRA

2: What is the unique idea to solve the issues? Now, there is one major limitation of this house index, which I should mention. And that is in communities where there is an effective government housing program, such as many parts of India now.... Then you can have very poor people living in so-called pucca houses (modern brick, cement, and concrete houses). But they have nothing else. So it doesn't work where there is an effective government housing program for the poor. For those cases we have found it very useful to use the PRA method, the Participatory Rural Assessment method, for wealth ranking. We bring the whole village together to find out who are the very poor, who are the not-so-poor, who are the non-poor, through participatory methods....

3: How PRA works

3: Revenue Model & Organization First the representative of each household lists their major assets (e.g., land, house, large farm animals, farm equipment, etc.), with their current values. These are recorded on cards, one for each household. Then the name of each household is read out and the villagers are asked to say to which of three piles it should be added: not-so-poor, poor, or very poor. In cases of dispute, the asset list is read out and a final decision is reached by consensus.

4:

4: Targeted Benefit & Outcome

5:

5: Strengths and Risks of the business model

The Project Owner: Explain your experience and skills within 150 words.

Business_Partners: Describe what types of business partners are you seeking

Position1 (Investors):

Position2 (Management & Staff):

Position3 (Management & Staff):

Position4 (Professional Staff):

Position4 (Professional Staff):

Position6 (Outside Experts):

Business Partners can jointly develop a business plan

Mode:

I'd like to jointly create this type of social venture in my home town:
You can create a Social Venture in your home town based on the business model in this page. The Social Entrepreneur Institute will assist you to make a business plan, funding the project and provide a More information on the Social Entrepreneurship Institute

About Your Project:		Reference Project:
Company/Organization:		Cost-Effective way to target the poor by CASHPOR
Project Code:
CategoryID:		Asia
County:
City:
Please write about your business concept in five paragraphs with sub-title for each
Answer: Briefly describe the usefulness and uniqueness of your social venture		I see the two parts of this topic as very much interrelated. We are not talking about methodology for reaching the poorest on the one hand and covering costs on the other. We're talking about cost-effective targeting or cost-effective identification of the poor. Now, why must we put some effort into identifying the poor? Why can't we just offer our services to everybody in the rural areas and let them decide whether they want to participate? Well, this is one of the relatively unknown secrets, I think, of the success of the Grameen Bank. Not widely known is the fact that it is exclusively for people below a certain asset wealth line. In the case of Grameen Bank, it's 50 decimals of average agricultural land and household assets of not more than the value of one acre of agricultural land in the area concerned. So Grameen is exclusively for households below that line. And this was developed because of Professor Yunus' observation that many...so-called poverty-focused programs throughout
1:		Cost-effective method - Housing Index
1: Issues to be addressed by this social venture (or case)		All of the replications under CASHPOR have followed that basic principle. We have spent a lot of effort trying to adapt the Grameen approach to identifying the poor to other conditions in other countries in the region.... We feel we have, now, a very cost-effective way of identifying the poor that works in most conditions throughout Asia-with some adaptation always necessary. But the basic tool, which I will describe as the housing index, holds from China to Vietnam to The Philippines, Indonesia, North and South India, Bangladesh, and so forth. We have moved away a bit from Grameen's targeting, which involves a household interview, because we feel a household interview is too expensive and produces information of questionable reliability-validity-especially if you focus on household income.... So we have found an indicator that we think, in most cases, enables us to identify about 80 percent of the poor very quickly. And that is what we call the house index.... There are three dimensions of the house, and we can look at it from the roadside. We don't have to conduct any interviews. We just go up and down the lanes in the village and map the houses which appear to be qualified. We look at the size, we look at the physical condition or building materials, and we look at the material of the roof.
2:		Housing Index is complemented by PRA
2: What is the unique idea to solve the issues?		Now, there is one major limitation of this house index, which I should mention. And that is in communities where there is an effective government housing program, such as many parts of India now.... Then you can have very poor people living in so-called pucca houses (modern brick, cement, and concrete houses). But they have nothing else. So it doesn't work where there is an effective government housing program for the poor. For those cases we have found it very useful to use the PRA method, the Participatory Rural Assessment method, for wealth ranking. We bring the whole village together to find out who are the very poor, who are the not-so-poor, who are the non-poor, through participatory methods....
3:		How PRA works
3: Revenue Model & Organization		First the representative of each household lists their major assets (e.g., land, house, large farm animals, farm equipment, etc.), with their current values. These are recorded on cards, one for each household. Then the name of each household is read out and the villagers are asked to say to which of three piles it should be added: not-so-poor, poor, or very poor. In cases of dispute, the asset list is read out and a final decision is reached by consensus.
4:
4: Targeted Benefit & Outcome
5:
5: Strengths and Risks of the business model
The Project Owner: Explain your experience and skills within 150 words.
Business_Partners: Describe what types of business partners are you seeking
Position1 (Investors):
Position2 (Management & Staff):
Position3 (Management & Staff):
Position4 (Professional Staff):
Position4 (Professional Staff):
Position6 (Outside Experts):