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- 1. Benedetta Kalondu | Basket weaver | Tala, Kenya From subsistence to business success Hand in Hand’s model Dorothea Arndt, Hand in Hand International
- 2. Why micro-businesses matter • The world needs to create 600 million jobs within seven years just to „stand still‟ • Half the people employed in developing countries are either self-employed, or farmers … • … and this is unlikely to change • What if „informal‟ is an opportunity, not a regulation failure? November 5, 2013 Najma | Bicycle repair shop owner | Tamil Nadu, India
- 3. Is finance the key? • Entrepreneurs in low and middle income countries say: Yes • The evidence from micro-credit contends: Yes, but… • Access to credit is necessary, but not sufficient to create businesses November 5, 2013 Treasurer | Kanyoni self help group | Thika, Kenya
- 4. The case for a holistic approach • What if millions of poor people in under- or unemployment are the solution not the problem? • Not all of us are born to be entrepreneurs.. • .. but Hand in Hand‟s experience is that “97% of us can be taught” November 5, 2013
- 5. Four key stages November 5, 2013 Najiba | Bakery owner | Balkh province Afghanistan
- 6. Four key stages November 5, 2013 Najiba | Bakery owner | Balkh province Afghanistan
- 7. Four key stages November 5, 2013 Najiba | Bakery owner | Balkh province Afghanistan
- 8. Four key stages November 5, 2013 Najiba | Bakery owner | Balkh province Afghanistan
- 9. The challenge: scaling up • How to go from – for instance - one million businesses and 1.4 million jobs in the past ten years, at a cost of US$ 55 a job • …to 600 million jobs in seven? • Business creation should not be an NGO agenda alone • More cross-sector partnerships are needed • Forging links to national and global supply chains: hard but essential
- 10. Thank You for listening Dorothea Arndt darndt@hihinternational.org Tel: +44-(0)20-751 450 80 Follow us on Twitter @Hihint
Notas del editor
- Good morningeveryone.
- Rattle through these figures quite quickly presumably come to this session because you are already convinced. IFC – just to maintain current levels of employment- with only one in tow women worldwide in paid employment – some would argue even that level is unsatisfactory Informal is normal - sector is not defined as household enterprises, in practice that is what it boils down to. Historically, informal jobs have been seen as a problem – they are the least regulate and the most vulnerable.
- Gentleman on the right, treasurer of one of our groups in Kenya, very focused on the money bills holding in his right hand. World Bank survey of entrepreneurs in low and middle income countries: one in two said it was their biggest problem. Most reviews, including a comprehensive meta –review by DFI concluded that the evidence on microfinance projects is mixed – certainly on household income or enrolment in schooling and sometimes even on business creation. The thinking has moved on to financial inclusion and a whole body of thought has moved on financial inclusion and its impact on smoothing consumption and households’ welfare. Interested to hear what our colleague from Banking on Change will tell us. Focusing specifically on business creation, we would argue from our own empirical experience of working with one million grass roots entrepreneurs that access to finance or even financial inclusion is not the first part of the equation.
- Hand in Hand’s experience: over the past decade in which we have generated over 1 million businesses and over 1.5 million jobsAs grassroots organization, our focus is on startingwith people and their potential and skills - Look at poverty differently and you’ll see grassroots entrepreneurs, full of energy and ideas. We help turn their skills and potential into jobs.Not all of us are born entrepreneurs (as Duflo and Banerji MIT poverty lab argued in their book Poor Economics) But our experience has shown us that you can teach people to become successful in business. An external evaluation of our programs in India concluded that 97% of the jobs which were created by the women we have supported to set up a microbusiness are still there thee years on.
- We create community groups, mainly women, who support each other, save together and learn together. We train group members to discover and develop small businesses.We provide access to group loans and micro-finance. Finally we help to scale the ideas up, find a market and achieve sustainable growthSo quite an involved approach.. What do you think that costs?US$ 200, 100 , 50– show of hands? In fact on average 55.
- We create community groups, mainly women, who support each other, save together and learn together. We train group members to discover and develop small businesses.We provide access to group loans and micro-finance. Finally we help to scale the ideas up, find a market and achieve sustainable growthSo quite an involved approach.. What do you think that costs?US$ 200, 100 , 50– show of hands? In fact on average 55.
- We create community groups, mainly women, who support each other, save together and learn together. We train group members to discover and develop small businesses.We provide access to group loans and micro-finance. Finally we help to scale the ideas up, find a market and achieve sustainable growthSo quite an involved approach.. What do you think that costs?US$ 200, 100 , 50– show of hands? In fact on average 55.
- We create community groups, mainly women, who support each other, save together and learn together. We train group members to discover and develop small businesses.We provide access to group loans and micro-finance. Finally we help to scale the ideas up, find a market and achieve sustainable growthSo quite an involved approach.. What do you think that costs?US$ 200, 100 , 50– show of hands? In fact on average 55.
- Looking towards the panel and YOU to provide some of the answers here today. Public sector partnerships – working with the state of Madhya Pradesh. US$ 900,000 grant from the Asian Development Bank (ADB). State investing in power / electricity distribution infrastructure. With the help of a 900K grant, we are training women to maximize the new small business opportunities that are emerging with the arrival of reliable electricity in their villages. Private sector employers have a role to play – there are some examples but they are few and far between.. E.g. Hindustan Lever – Salesforce reaching 3 million households in remote villages, 45,000 women entrepreneurs have typically doubled their income
- Looking towards the panel and YOU to provide some of the answers here today. Public sector partnerships – working with the state of Madhya Pradesh. US$ 900,000 grant from the Asian Development Bank (ADB). State investing in power / electricity distribution infrastructure. With the help of a 900K grant, we are training women to maximize the new small business opportunities that are emerging with the arrival of reliable electricity in their villages. Private sector employers have a role to play – there are some examples but they are few and far between.. E.g. Hindustan Lever – Salesforce reaching 3 million households in remote villages, 45,000 women entrepreneurs have typically doubled their income