DHAN Foundation Development of Humane Action Giving back to the Society

“Social capitalisation – the basis for sustainable development: DHAN’s Way” A.Umarani, Director, Tata-Dhan Academy December 02, 2014 First International ART on Micro Pension Programme JC Residency, Madurai

DHAN Mission “Building people and institutions for development innovations and scaling up to enable the poor communities for poverty reduction and self reliance”.

Core Values Values are the life line of the organization. Values represent the core priorities on how the organization chooses to operate and to be viewed by stakeholders both inside and outside the organization. DHAN Foundation has six core values which are briefed as below: Grassroots Action Enabling Collaboration Innovation Excellence Self Regulation

Purpose(s)‏ Mothering development Innovation It aims to promote and nurture new ideas on different development themes, which have larger potential to address the livelihoods and development of the poor in a region viz. microfinance, small scale irrigation, dry land agriculture, working with panchayats.

Purpose(s)‏ Establishing thematic Institutions and People Institutions for up scaling Exclusive thematic organisations will be promoted to undertake development work with a sub sectoral focus. The primary role of these institutions is promotional and to ensure that benefits reach a large number of poor with quality.

Purpose(s) Nurturing development professional with systematic HRD The institution would bring young professionals into the development sector and provide them an opportunity to practice and develop relevant knowledge, attitudes and skills to work long term in the development sector.

Principles Socially committed high quality young professionals to work at villages and slums Building `nested’ People Institutions for generations with mutuality, self-help and self management Collaborating with mainstream institutions for development Thematic focus for enabling Livelihood focus for poverty reduction

Coverage 1.4 million families in 14,000 villages including slums in 12 states – TN, AP, Karnataka, Orissa, Madhya Pradesh, Jharkhand, Kerala, Assam, Maharasthra, Rajasthan, Bihar and Pondicherry More than 300 locations (panchayat unions / blocks) with more than 700 professionals Microfinance, Reviving Traditional Water Bodies, IT for Poor, Rainfed Farming, Coastal conservation & Livelihood restoration, Working with Panchayat, Development Education – Tata-Dhan Academy

Programmes of DHAN Foundation Kalanjiam Community Banking Programme Tank fed Agriculture Development Programme Coastal rehabilitation and livelihood restoration programme Rain-fed Agriculture Development Programme Democratizing Panchayat ICT for poor Tata-Dhan Academy- Development Mgt Education

DHAN Foundation’s Approach on its Programmes Facilitating environment Community Organisation Scale down technology Facilitating environment

Community Banking Programme Promote alternative financial services and mechanisms at the grassroots level for poor women

Community Banking Programme Savings and credit Civic Programmes like health, education, deaddiction programmes, social security for poor etc Fund for supporting and creating infrastructure for members Support for income generating activities Matching endowment support for institution building Collaboration with apex banks/ agencies/ organisations Policy Advocacy efforts

Tankfed Agriculture Programme Organise the farmers to conserve and develop tanks and improve tank fed agriculture

Activities Tank rehabilitation Oorani rehabilitation Watershed Development project Promotion of Micro Finance Groups Promotion of Vayalagam Agriculture Development Clinics Endowment Grants Collaboration with funding agencies/allied institutions Policy Advocacy efforts 15

Rehabilitated Tank 16

Rehabilitated Oorani 17

Watershed works – Check dam 18

Tata-Dhan Academy Groom young graduates into development professionals, undertake research studies & documentation of experiences

Tata Dhan Academy Groom young graduates into development professionals, undertake research studies & documentation of experiences 20

Core Activities Education– Programme in Development Management (PDM)‏ Faculty Induction and Development Building Capacity of Practitioners through Development Management Programmes Research and Teaching Materials Development 21

Information Technology for poor Developing IT applications for poverty alleviation and livelihood promotion Information Technology for poor

Activities Community colleges for computer education Village Internet Centres Adult Literacy Programme (ALP)‏ ICT Groups 23

Community College 24

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Democratizing panchayats and developing them as effective local governance systems

Multi year planning 27

Reviving the best practices of rain fed farming and promoting livelihoods Dryland Agriculture

Activities Transfer of farmers best practices Transfer of suitable technologies from research agencies Experimentation - improved agronomic practices, plant protection measures, crop improvement, farm mechanisation 29

Coastal conservation and Livelihoods Programme Relief (immediate)‏ Livelihood restoration (short term)‏ Habitat reconstruction (medium term)‏ Coastal zone conservation and management (long term)‏

Model: Communities partnership Nested Institutions Model: Communities partnership Cluster Associations Primary functional Groups Specialised Supra Institution Federation Movement

DHAN Collective Structure SUPRA PEOPLE INSTITUTIONS e.g. CLUSTER & FEDERATION REGIONAL RESOURCE CENTRES INTEGRATING THEMATIC PROGRAMS CENTRES FOR INTEGRATION HRD, FINANCE STRATEGIC PLANNING BUSINESS DEVELOPMENT SERVICE, RESEARCH DEVELOPMENT COMMUNICATION NEW THEMES RAINFED FARMING/ ICT/TATA – DHAN ACADEMY SUPPORT FOR PEOPLE INSTITUTION e.g. KDFS/KTPL/ PEOPLE MUTUALS PRIMARY PEOPLE e.g. KALANJIAM & VAYALAGAM THEMATIC e.g. KALANJIAM FOUNDATIION & PROGRAM DHAN COLLECTIVE

DHAN Collective DHAN Foundation and the thematic institutions promoted together form the DHAN Collective. DHAN Collective is a creative concept to nurture and preserve the culture of collegiality, mutuality and solidarity. Shared purpose, core values and resources (human, financial and physical resources) bind the DHAN Collective.

Each institution defines its ‘own unique’ space with synergy. DHAN Collective DHAN Foundation as the parent institution guides, supports and regulates its family institutions on their mission, policies, strategies and values. Each institution defines its ‘own unique’ space with synergy.

Specialised Service Institutions for People Institutions People Mutuals Kalanjiam Development Financial Services (KDFS)‏ Kalanjiam Thozhilagam limited SUHAM (SUstainable Healthcare AdvanceMent)

Centres for Integration Centre for HRD & People Academy Centre for Development Communication Centre for Policy and Planning Centre for Finance & Centre for facilitating Philanthropy Centre for Research

Movements and Networks Kalanjiam & Vayalagam Movement INFOS – Indian Network of Federations of Microfinance Self Help groups INAFI-International Network of Alternative Financial Institutions

Achievements Bringing new stock of Development Professionals to grassroots action. Building Development leaders for the sector. Pioneering development themes for poverty reduction. Formalising, revitalising local practices in microfinance and small-scale water bodies. Kalanjiam - Enabling model of microfinance. Unique and large scale collaboration with mainstream institutions for program funds.

Achievements Reaching out to the poorest and making changes in the lives of about 1.3 million households Creative nested institutions for sustainability and solidarity. Moving towards people movements on development themes. Policy contribution at national and global level- NABARD, RBI, JnNURM, etc

Features of DHAN Model Community Governance Professional Management Self reliance Primacy on ensuring entitlements Mainstream linkage Federation model Thematic approach Financial intermediation as a basic service that cuts across all the themes Graduated financial services include savings & credit first then proceed to insurance and pension

Community Organisation Development Approach Community Organisation Sustainable growth Thematic InterventionIntervenon Mainstream Partnership

Four Generation Development Model Civic 3-5 years Livelihood Intermediation 3-5 years Financial 3-5 years Social 3-5 years

Goals of DHAN Foundation 2017 Goal 1: Building social capital by organizing the unorganized poor households including vulnerable, differently-abled, and ultra poor/poorest of the poor into sustainable community organizations and integrating them with local governance/panchayats for grassroots democracy Sub goal 1.1: Organizing additional one million poor households besides the existing one million including vulnerable, differently-abled, and ultra poor Sub goal 1.2: Building 500 nested institutions i.e. federations and movements and working with 200 panchayats to demonstrate grassroots democracy with local-governance Sub goal 1.3: Grooming and nurturing 50000 community leaders for sustaining the people organizations

Goals of DHAN Foundation 2017 Goal 2: Impacting to bring 0.5 million households out of poverty through enhancing livelihoods through thematic interventions such as microfinance, agriculture, water and natural and coastal resource conservation and enabling access to entitlements related to social security, health and education services with gender focus. Sub goal 2.1: Impacting 0.3 million farming households based on agriculture and livestock (dairy) interventions. Sub goal 2.2: Facilitating access to financial services of significant scale (above Rs. 25000) to one million families

Goal 2 continues… Sub goal 2.3: Enabling additional one million families to access entitlements related to social security programmes including life, health, crop and livestock insurance and micro-pension. Sub goal 2.4: Promoting community owned health, sanitation and educational initiatives among 0.5 million families Sub goal 2.5: Building skills related to various livelihoods among 0.2 million families for promoting sustainable livelihoods Sub goal 2.6: Creation of wealth of common assets such as common funds, reserves and surpluses, common resources with significant worth of physical works and strong social capital of 500 people organisations for their sustainability

Goals of DHAN Foundation 2017 Goal 3 : Enhancing the resilience of communities in different ecosystems by catalysing conservation and development of natural resources to promote sustainable livelihoods, agro-biodiversity, food security and adaption to climate change through community banking, rainfed agriculture development, tank fed agriculture development and coastal conservation programmes. Goal 4: Contribute significantly to development sector by networking as knowledge centres with NGOs, academic and research institutions, corporate, people organisations, government and banks, and donor organisations through knowledge building by rigorous sub-sectoral development practice and dissemination, and through grooming and nurturing 2000 quality human resources for the sector

Goal 5: Influencing sub- sectoral policies from the learning generated by large scale community led practice on microfinance, agriculture, water and micro insurance to have nationwide and worldwide impact

Thank You!