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It infused the Deby regime with a sense of vulnerability
while signaling the same to its enemies. In future RMP situations, the
Bank will want to show understanding of government defensive measures
proportionate to the threats faced. It may also want to buttress such
measures with specific understandings of security support from allied
countries. One can only wonder if the 2008 attack on N’Djamena would
have occurred if the rebels had known that local French legionnaires
would have been active in the defense.
As a last lesson, the World Bank mi
It infused the Deby regime with a sense of vulnerability
while signaling the same to its enemies. In future RMP situations, theAs a last lesson, the World Bank might reflect on whether its RMP
design overreached in the Chad-Cameroon case. This RMP aimed at
nothing less than escrow of the vast majority of government oil revenues
and their dedication to well-developed anti-poverty projects. Arguably
this approach tied up more money than the government was comfortable
seeing escrowed, while also counting on project execution capabilities
that did not exist. In encouraging the Bank to overreach in this fashion,
the NGO community probably contributed to the RMP’s shortcomings.
A more modest RMP, one calibrated to escrow revenues proportionate
to project execution capabilities, may c
Bank will want to show understanding of government defensive measures
proportionate to the threats faced. It may also want to buttress such
measures with specific understandings of security support from allied
countries. One can only wonder if the 2008 attack on N’Djamena would
have occurred if the rebels had known that local French legionnaires
would have been active in the defense.
As a last lesson, the World Bank mi

It infused the Deby regime with a sense of vulnerability
while signaling the same to its enemies. In future RMP situations, the
Bank will want to show understanding of government defensive measures
proportionate to the threats faced. It may also want to buttress such
measures with specific understandings of security support from allied
countries. One can only wonder if the 2008 attack on N’Djamena would
have occurred if the rebels had known that local French legionnaires
would have been active in the defense.
As a last lesson, the World Bank mi
It infused the Deby regime with a sense of vulnerability
while signaling the same to its enemies. In future RMP situations, theAs a last lesson, the World Bank might reflect on whether its RMP
design overreached in the Chad-Cameroon case. This RMP aimed at
nothing less than escrow of the vast majority of government oil revenues
and their dedication to well-developed anti-poverty projects. Arguably
this approach tied up more money than the government was comfortable
seeing escrowed, while also counting on project execution capabilities
that did not exist. In encouraging the Bank to overreach in this fashion,
the NGO community probably contributed to the RMP’s shortcomings.
A more modest RMP, one calibrated to escrow revenues proportionate
to project execution capabilities, may c
Bank will want to show understanding of government defensive measures
proportionate to the threats faced. It may also want to buttress such
measures with specific understandings of security support from allied
countries. One can only wonder if the 2008 attack on N’Djamena would
have occurred if the rebels had known that local French legionnaires
would have been active in the defense.
As a last lesson, the World Bank mi

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  1. 1. An Integrated Livelihoods Solution Company Presentation July 2022 1
  2. 2. Table of Contents 1. Introduction to Access Livelihoods 2. Focus Areas a. Livelihoods - Agriculture b. Livelihoods - Handlooms 3. Growth & Impact Enablers a. Finance b. Marketing c. Education and Skilling 4. Financials & Funding Need 5. Impact Performance & Potential 2
  3. 3. Introduction to Access Livelihoods 3
  4. 4. Access Livelihoods Introduction Incubate women-owned climate resilient enterprises to reduce inequality caused by socio- economic-environmental-political factors among marginalized women. Investing in climate resilient, inclusive livelihoods for marginalized women = Catalytic to empowering women, achieving SDGs, climate adaptation and mitigation Agriculture & Allied Handlooms ● Kalahandi ● Balangir Maharashtra ● Pune ● Gondia Telangana ● Hyderabad ● Vikarabad ● Narayanpet Andhra Pradesh ● Srikakulam ● East Godavari Odisha Central Office Project Office Community 1 million outreach 75,000 households directly impacted with core services across 68 collective women-owned enterprises Market Linkages Finance & Inputs Reach Education & Skilling
  5. 5. Traction Achieved Development Finance Services Offered ❖ Hyper local Delivery ❖ Low Transaction Cost ❖ Predictive Collection Model ❖ Low overall turnaround times Brand Promises 75% Consumer Rupee Returned to the Producers No Artificial Colors, Flavors, and Preservatives Products Sourced Directly from Producers Integrated Marketing Brand Creyo purchases products from women producer companies directly and supplies them to local and urban consumers. Community ✔ 72 whole sellers ✔ 2000 direct customers ✔ Products sourced from 7 clusters Marketing Support INR 61.81 Crores (from 2014) Current Portfolio (FY22) INR 17.15 Crores Finance Raised INR 56.2 Crores in the last 6 years
  6. 6. Small & Marginal Farmers Urban Marginalized Small Artisans & Weavers Micro & Small Entrepreneurs Small Livestock Holders & Fisherfolk Disaster-prone Communities Forest Produce Gatherers Wage Labourers, including Migrants Other Vulnerable Communities Contribution of these 10 communities to India’s economy: 92% of the total workforce, 63% of GDP Our Focus Communities Internally Displaced Groups
  7. 7. Marginalized women are disproportionately affected by the climate crisis due to the socio-economic and political barriers they face. Gender Biases and gender-based roles Lack of representation and decision-making power Restrictions on land ownership Lack of access to financial resources Unpaid labor and care work Traditional Livelihoods with low wages Climate change exacerbates existing income and access inequalities. The Climate and Rural Livelihoods Challenge
  8. 8. Macro Challenges Facing Rural Inclusion 10% of India’s population is living in extreme poverty. 83% of workforce is working in unorganized sector. Informal workers account for 92.4% Extreme Poverty Unorganized Workforce 19.9% of total work force is women, 90% of which, is in the unorganized sector Climate change is making agriculture riskier for communities due to droughts and floods Climate Change High reliance on Agriculture 80% of the unorganized women workforce is in the agriculture sector and only 13% women own land Low Agricultural Income Rs. 10,218 is avg monthly income per agri household Low women’s labor force participation
  9. 9. Challenges Inefficient Supply Chain Disintegrated supply chain, 30- 40% leakage in agri supply chain Lack of Access to Finance Small and marginal farmers have limited access to credit and available credit is not affordable or timely Market Control Market is controlled by intermediaries, putting communities at a disadvantage Unskilled Workforce Unavailability of skilled workforce for managing producer companies Lack of hard and soft technology for agriculture and handloom value chains Lack of Technology Lack of Value Addition Units Lack of integrated value addition facilities for agriculture and handlooms value chain Micro Challenges Facing Rural Inclusion
  10. 10. Solution Affordable Finance Providing timely, affordable finance Technology enabled ERP Providing technological value additions in the supply chain Consulting Providing technical support to implement livelihood programs and support the collectives. Unique Livelihoods Model Establish Farmer Producer Companies and Collectives Training and Skilling Training farmers and youth to scale FPOs Market Linkages Established direct producer to consumer supply chain through the sustainable brand Creyo Integrated Livelihoods Solution AL aims to empower marginalized communities; create secure and sustainable livelihoods by providing a spectrum of services.
  11. 11. Incubating women owned FPOs  Provide affordable credit  Establish processing units Artisan Collectives  Establish Integrated Handloom Hub  New Loom Technologies and Designs Long, medium and short- term financing  Enterprise Finance  Producer Finance Education & Skilling Skilling and Training  Women Mini MBA program  Social Entrepreneurship Program  Enterprise Training Creyo brand  Traceable supply chain  Products sourced directly form producers Marketing Finance Handlooms Agriculture Technology  ERP Traceability  Voice UI  Digital learning lab Verticals Enablers The ALS Offering to Transform Rural India
  12. 12. Intervention Snapshot: Incubate Producer Company 12 II III IV I Phase I: Enterprise Promotion (0-18 months) • Identify cluster • Create self-sustaining livelihood model • Establish Producer Company Phase II: Enterprise Establishment (6-36 months) • Product development and value addition • Provision of finance, physical infrastructure and machinery Phase III: Enterprise Business Operations (12-48 months) • Development of input and output management services • Build required administration and financial systems Phase IV: Enterprise Business Sustenance (36-72 months) • Ensure stable leadership and establish governance structure • Independent entity generating surplus Education & Skilling Financial Services Market Linkages Market Linkages Require 15 crores across the 4 phases to establish a self-sustaining producer company over 5-6 years. 10,000 women 30-40 villages Agro processing Zones Grant Debt & Grant Debt Debt
  13. 13. Producer Company Business Model for Financial Sustainability 13 Require 15 crores across three phases to establish a self-sustaining producer company over 5-8 years. Phase I II III Period 24 months 25 - 60 months 61 - 96 months Key Activity Establishment Business Operations Business Sustenance Key Measurement Parameter Grant/One Time Investment Turnover Linked Profit Linked Terms Rs. 1500/- to Rs. 2500/- per producer 2% to 4% 10% to 15% # Particulars Total cost Cost/member 1Grant/Incubation cost 2,00,00,000 2,000 2Investment - Infrastructure 9,00,00,000 9,000 3CB cost 1,00,00,000 1,000 4Working Capital 3,00,00,000 3,000 Total 15,00,00,000 15,000
  14. 14. Mulkanoor Women’s Cooperative Dairy 14 Mulkanoor Dairy is a pioneering example of women led self-sustaining producer company that has transformed the livelihoods of thousands of rural women. Mulukanoor, Hanumakonda Dist, Telangana 20 Years (2002-2022) CDF Women Members 21,000 Turnover INR 100 Cr Debt from CDF INR 3 Cr for 7 Yrs but repaid within 3 Yrs Milk Procurement 75,000 LPD Profitability INR 10 Cr Social Outcomes Insurance, Scholarships, Employment
  15. 15. AL Consulting India For Profit Subsidiaries Development Finance Marketing Services Foundations AL Foundation Artisan Foundation* Learning Foundation International Foundation Provide Affordable Finance Establish a P2C Brand Creyo Establish producer companies Establish artisan collectives Train and up-skill women & youth 501(3) C to access US grants ALS Group Architecture *Will be established as a Section 8 company and has FCRA license **ALC has 100% ownership of the subsidiaries
  16. 16. G Vijaya Switha CEO, AL Artisan Foundation IRMA 15+ years experience A Sitaramaiah CEO, AL Development Finance AP Agricultural University 40+ years experience GV Krishnagopal Group CEO IRMA 20+ years experience Sruthi Kunnel CEO, AL Learning Foundation University of Missouri-Columbia 15+ years experience Dr K Surekha CEO, ALC India XIMB 13+ years experience GV Sarat Kumar CEO, AL Foundation IRMA 20+ years experience Sunil Bhat CEO, AL Marketing Services IRMA 20+ years experience Leadership Team
  17. 17. Access Livelihoods Consulting India est. 2014-16 2010-12 2008-10 2016-18 2005 2006-08 2012-14 2018-20 2020-22 ALC India 60 organizations served in 20 states. ALC India Implementat ion work with 2 large producer groups initiated. ALC India Two-day symposium organized on financing livelihoods of the marginalized ALDF Access Livelihoods Development Finance Est. 2014 ALF Access Livelihoods Foundation launched with Tata Trusts in 2015. ALC India Niti Aayog selected Access Livelihoods for Atal Innovation Mission. ALLF Access Livelihoods Learning Foundation Est. 2020. Access Livelihood Marketing Services Est. 2020. ALC India Recipient of Best Incubator in India by National Startup Awards. Niti Aayog awarded Women- Transforming India to Chitrika. Timeline/History 17
  18. 18. IICD Crafts Design Award – Special mention – 2021 National Startup Awards 2021 – Best Incubator in India Recognised By: Awards and Recognitions 18 Harvard - TATA– SAI Social enterprise award – 2017 NITI Aayog - Women Transforming India – 2022
  19. 19. Collective Impact Disrupting a fragmented supply chain through providing end-to-end services for women producers and artisans. 2-3.5x increase In avg income ✔ 75,000+ households directly impacted ✔ 68 collective women-owned enterprises incubated ✔ 17 enterprises accelerated 1 Million Outreach 2x increase in avg income ✔ 825 women own the enterprise ✔ Access to – • affordable finance • technology • integrated supply chain • Skilling and training Artisans Farmers Total ✔ Increase in capital assets ✔ Access to – • affordable finance • technology • integrated supply chain • Skilling and training
  20. 20. Agriculture and Allied Activities Operation Beehive 20
  21. 21. Processing Establishing agro- processing zones Operation Beehive: Incubating women owned producer companies Enterprise Setting up women owned and managed producer enterprises Input Providing smart farming and sustainable production inputs Finance Providing timely, adequate, affordable finance Technology Instituting traceable agri-supply chain with integrated ERP Marketing Established P2C Brand Creyo Experimented 68 Enterprises Incubated in 5 States Touched 75,000+ Households Communities Women farmers, Tribal Women Impact 2-3.5x increase in annual income Agriculture Snapshot
  22. 22.  The hub will be owned and managed by producers.  It will serve as the central facility, integrating all processes across the agri value chain.  Depending on the location, customized processing units will be established (for eg: dairy processing unit, groundnut processing unit).  State of the art services will be provided to the farming community to strengthen their capacity and access to markets. Office 900 sq ft Seed Processing Unit 1650 sq ft Learning center 1400 sq ft Organic Input 1400 sq ft Grain Processing Unit 1650 sq ft Shop 1650 sq ft Café 1400 sq ft Warehouse 1400 sq ft Rice Processing Unit 1650 sq ft Sizing Space & Plantation Hub and spoke model to centralise agriculture production and value chain. Agri – Integrated Hub Model
  23. 23. Projections, INR Crores 6 Crores Revenue FY 21-22 82% CAGR FY23 to FY27 14% Gross Margin Average projection FY23 to FY27 75,950 Farmers Collectivised FY23 to FY27 Make agriculture viable, sustainable and easier for the farmers. Agri – Financial Summary & Projections 7 8 6 6 FY19 FY20 FY21 FY22 GMV/Sales Value Historicals, INR Crores GMV/ Sales Value 25 58 114 200 252 22 50 98 170 213 FY23 FY24 FY25 FY26 FY27 GMV/Sales Value Producer Income
  24. 24. Development Finance ❖ Hyper local Delivery ❖ Low Transaction Cost ❖ Predictive Collection Model ❖ Low overall turnaround times What We Do? Benefit to Women Producers Finance Raised INR 56.2 Crores Last 6 years Portfolio INR 17.15 Crores ✔ Last Mile Access ✔ Low Credit Access Costs ✔ Farmer Centric Digital Interface ✔ Farmer specific loan products Marketing Support INR 39.14 Crores (2014- now) Marketing (Creyo) Brand Promises 75% Consumer Rupee Returned to the Producers No Artificial Colors, Flavors, and Preservatives Products Sourced Directly from Producers Infrastructure Development INR 6.5 Crores Across locations for dairy, poultry, paddy, groundnut business (2012-now) Agri – Finance & Marketing
  25. 25. Impact – Journey of a Women Producer Kashal Village, Pune District (Maharashtra) Like most women, she was engaged in backyard dairy farming. Before Investment Income - Rs 1,20,000/ Annum Asset – Two Milch cattle Investment of Rs 1,50,000 After Investment Income – Rs 2,04,000/ Annum Asset – 5 milch Cattle and a dry fodder unit A successful mini-dairy and dry fodder unit entrepreneurs Geographic Spread ✔ Balangir ✔ Maval ✔ Gondia ✔ Naganpalle ✔ Srikakulum ✔ Kalahandi ✔ Vikarabad Potential ❖ Projected average increase in farmer income INR 5.14 – INR 5.26 Lakhs (over the next 5 years) ❖ Projected community: 14,689 producers – 20,200 producers (over the next 5 years) 25
  26. 26. Handlooms Operation Web 26
  27. 27. 2600+ textile and apparel designs Community 825 Women weavers own the business Impact 2x increase in average income ERP for yarn to finished product traceability Mission Enhance economic and social well being of 10,000 weavers and artisans 5 production units Srikakulam, East Godavari, Narayanpet, Krishna, Guntur Key Services Capacity building and training, new loom technologies, contemporary textile design. Operation Web: Improve livelihoods of weavers and modernize the handlooms value chain Handlooms
  28. 28. Handlooms – Integrated Hub Model  The hub will be owned and managed by producers.  A central facility integrating all processes across the value-chain.  State of the art services will be provided to strengthen capacity and operational efficiency.  Will host a research center for handlooms. A Unique Integrated Handloom Hub to centralize production and value chain unit.
  29. 29. 4.04 Crores Revenue FY 21-22 9 16 24 35 48 7 14 20 29 40 FY 23 FY 24 FY 25 FY 26 FY 27 Sales Value Weavers Income Projections, INR Crores 54% CAGR FY23 to FY27 18% Gross Margin Average FY23 to FY27 950 Weavers Collectivized FY23 to FY27 Handloom weaving provides climate friendly livelihoods and paves the way for circular economy. Handlooms Financial Projections
  30. 30. Development Finance ❖ Hyper local Delivery ❖ Low Transaction Cost ❖ Predictive Collection Model ❖ Low overall turnaround times What We Do? Benefit to Women Producers ✔ Last Mile Access ✔ Low Credit Access Costs ✔ Artisan Centric Digital Interface ✔ Artisan specific loan products Marketing Support INR 22.65 Crores (2014- now) Marketing (Creyo) Brand Promises 75% Consumer Rupee Returned to the Producers No Artificial Colors, Flavors, and Preservatives Products Sourced Directly from Producers Handlooms – Finance & Marketing
  31. 31. Before Investment Income – INR 30,000 After Investment Income – INR 1.16 Lakhs image 31 Geographic Spread ✔ East Godavari ✔ Krishna ✔ Srikakulum ✔ Narayanpet Potential ❖ Projected average increase in artisan income INR 2.89 lakhs (over the next 5 years) ❖ Projected Community: 1000 weavers (over the next 5 years 31 ✔ Guntur Impact - Journey of an Artisan
  32. 32. Strengthen capacity building, market linkages and access to an integrated agri hub and handloom hub to restore dignity, increase economic returns and create self – sustaining collectives. Agri and Handlooms– Investment Required and Unit Economics Handloom Unit Economics Parameter Value No. of Artisans collectivized 950 Average sales per artisan INR 5,14,775 Average income per artisan INR 4,19,072 Agri Unit Economics Parameter Value No. of Farmers collectivized 75,950 Average sales per farmer INR 54,750 HR Tech Working Capital CAPEX Marketing 8.07 INR Crore Investment Required (2023 to 2027)
  33. 33. Education and Skilling Operation Butterfly 33
  34. 34. Operation Butterfly: Making Higher Education accessible to the next Billion Community 19,000 + participants across programs Impact 33% increase in income of women enrolled in WEP Mission Develop comprehensive, affordable and accessible entrepreneurship development education and employability trainings for 1,00,000 women & youth. Key Services • Women Entrepreneurship Program (WEP) • Social Entrepreneurship Program (SEP) • Agri/Dairy Intra/Entrepreneurship program • Community targeted programs Principles Experiential Learning Integrated Learning Education and Skilling
  35. 35. Access Livelihoods uses higher education to transform the self employed into entrepreneurs and intrapreneurs for Producer Companies. 19.9% of total work force is women, 90% of which is in unorganized sector. 80% of rural women are engaged in agriculture but their role is rarely recognized or rewarded. 63% of women are self employed & informally employed in rural areas. Rural youth don’t have access to affordable higher education and employability training. Education - Mission
  36. 36. Agri Entrepreneurship Program • 1-Year Full Time Program • 3 month Facilitated Learning • 9-month Practicum in agri- enterprises • Certification by Academic Partner • Targeted at rural agri- graduates Social Entrepreneurship Program • 2-Year Full Time Program • 6 month Facilitated Learning • 18-month Practicum in social enterprises • Certifications by TISS & IRMA • 51 participants across 4 cohorts (2017-now) Reimagine Responsible Enterprises Fellowship • 1-Year Full Time Program • Graduates placed in Farmer Producer Organizations (FPOs) or Agri-Enterprises • Graduates are provided a 20,000 INR stipend • FPOs supported in building their business Education - Mission Operation Butterfly: Provide Human Resources support to Producer Companies through these programs.
  37. 37. Mini MBA for Rural Women 9 Months | Rural Women 350 Participants Agri Retail Training 45 Days | Rural Youth 522 Participants Agri Business Training 2 Months | Rural Youth 219 Participants Training for Weavers Weavers 10,000+ Participants Mini Dairy Entrepreneur Program 6 Months | Dairy Farmers 120 Participants Short Term Training Farmers & Other Producers 8000+ Participants Education - Programs Operation Butterfly: Community Targeted Programs; Higher education to transform the self-employed into entrepreneurs
  38. 38. 9 Month Women Entrepreneurship Program: Based on self-directed experiential and exploratory learning. Businesses Established Grocery, Polyhouse, Agri Value Addition, Jute Products, Beauty Parlor, Ground Nut Oil Unit, Clothe Shop, Retail Shop, Seed Business, Dairy, Agarbatti Manufacturing and others. Target group is marginalized women Well planned Facilitated Learning 20 days of practicum each month Participants start micro enterprises Assessment & Certification by -MANAGE Impact Pilot 1&2  25% women entrepreneurs  40% women entrepreneurs 7 Locations 200 Women 33 % Income Increase Women Entrepreneurship Program (WEP)
  39. 39. 5 10 14 15 22 FY 23 FY 24 FY 25 FY 26 FY 27 Revenue Projections, INR Crores INR 4.7 Lakhs Revenue FY 21-22 46% CAGR FY23 to FY27 19.49% Net Margin Average 2023-27 5700 Participants Collectivized FY23 to FY27 Education – Financial Projections Provide skilling and training programs to develop rural entrepreneurs and intrapreneurs.
  40. 40. SEP Incubator for Startup Campus Investment Required (2023 to 2027) Unit Economics Create employability among women and youth by providing experiential model based training and skilling. Education – Investment Required 29.40 INR Crore Parameter Value Enrollment of participants 5700 Avg. Fees per participant INR 13,000
  41. 41. Finance AL Development Finance 41
  42. 42. Finance Access Livelihoods Development Finance meets working capital and other requirements of producer companies promoted by Access Livelihoods. Community • 75000+ households reached • 68 enterprises incubated Impact • INR 29.92 Crores disbursed to 17 producer companies (up to 2019-20) • 97% on-time loan repayment Mission Transform AL Development Finance Bank into an NBFC to service agriculture finance of INR 100 Crores within the next three years. Key Services • Enterprise Finance • Producer Finance Partners
  43. 43. Finance – Business Model Innovation  Last Mile Access  Small Ticket Size  Affordable  Credit Assessment  Farmer Focused Products  On Time Access  Predictive Collection Model  Low Bad Debt Hyper Local Primary Aggregator Credit in Kind Low Transaction Cost for All* Interweaved in Production Cycle • * Operational costs range from 13.75% for a MFIs to 41.53% for a Public Sector Bank lending directly through its rural branches • # Interest rate of 24% for larger NBFC-MFIs to 35–45% for smaller MFIs
  44. 44. Ensuring last mile access through financial inclusion 3 3 16 25 32 FY 23 FY 24 FY 25 FY 26 FY 27 Revenue Revenue Projections, INR Crores Finance - Financial Projections INR 29.29 Crores Loans disbursed Up to FY19-20 INR 207 Crores Portfolio by FY27 INR 17.15 Crores Current Portfolio 24,000 Members Reached FY23 to FY27
  45. 45. Marketing P2C Brand - Creyo 45
  46. 46. Marketing Access Livelihoods Marketing Services purchases products from women producer companies directly and supplies them to local and urban consumers. Community • Products sourced from 7 clusters • 2000 direct customers • 72 whole-sellers Mission Increasing consumer access to high quality sustainable products while ensuring income to the producer. Distribution Channels • Creyo Stores • E-commerce through application • P2B: Retail stores Products • Staples: cashew, pulses, • Fresh Grocery: milk, curd, lassi, organic vegetables • Handloom: kurtis, cloth • Inputs: seeds, fertilizers Brand Promises 70% of consumer rupee to the producers No artificial colours, flavours, & preservatives Products sourced directly from producers Current Presence Raipur, Nagpur, Hyderabad, Vizag, Pune, Bhubaneshwar
  47. 47. Few brands work for ‘Collective Gain’ for both – Producers and Consumers Producer Returns unremunerative, left unsatisfied Improved Income to Farmers Last Mile Delivery Direct Connect from Producers to Consumers Traceable Supply Chain Planet and People Friendly Brand Choice Affordable Products Safe and Healthy Products Consumer Needs unfulfilled, left unsatisfied Sustainable and environment friendly products Organic Products Marketing 47
  48. 48. Marketing – Target Locations Creyo will operate in the following ten cities: • Hyderabad • Warangal • Vijayawada • Visakhapatnam • Bangalore • Bhubaneswar • Pune • Nagpur • Raipur • Chennai Target customers Conscious consumers from the urban and peri-urban middle and upper-middle classes interested in sustainable and environment-friendly products.
  49. 49. Providing integrated market linkages to women producers and artisans, and connecting them with conscious consumers. 55 127 233 372 465 FY 23 FY 24 FY 25 FY 26 FY 27 Sales Sales Projections, INR Crores Marketing - Financial Projections INR 30.4 Lacs Sales Revenue 2021-22 74% CAGR FY23 to FY27 14% Gross Margin Average 2023-2027 76,900 Beneficiaries Reached FY23 to FY27
  50. 50. Providing integrated marketing services to primary producers and improve their income Marketing - Investment Required HR Tech Working Capital CAPEX Marketing 8.07 INR Crore Investment Required (2023 to 2027)
  51. 51. Financials and Projections 51
  52. 52. Consolidated Financial Historicals FY19 to FY22 - WIP 6 8 5 6 0 1 2 3 4 5 6 7 8 9 FY 19 FY 20 FY 21 FY 22 Revenue Consolidated Financial Historicals, INR Crores TBA – historical GMV of marketing, finance in a stacked bar chart Note: Marketing GMV resides in the Producer Companies accounts. xx Gross Margin Xx Net Margin
  53. 53. Consolidated Financial Projections (2023-27) 55 127 233 372 465 3 9 16 25 32 5 10 14 15 22 4 7 10 13 20 0 50 100 150 200 250 300 350 400 450 500 FY 23 FY 24 FY 25 FY 26 FY 27 Marketing Finance Education Consulting Consolidated Revenue Projections, INR Crores
  54. 54. Required Funds to Scale Operations – WIP Vertical Total Marketing INR 8.07 Cr Finance INR 36.50 Cr Consulting INR 5.10 Cr Education INR 4.40 Cr 15% 8% 9% 68% Investment Ask Marketing Education Consulting Finance Total Investment Ask – INR 54.07* Crores XX Crore Equity XX Crore Grant XX Crore Debt *does not include INR 25 crores for campus infrastructure
  55. 55. Investment Breakup by Vertical - WIP Marketing Investment Ask – INR 8.07 Cr XX Crore Equity XX Crore Grant XX Crore Debt Finance Investment Ask – INR 36.5 Cr XX Crore NBFC Equity XX Crore Working Capital financing XX Crore CAPEX Financing By offering FLDGs for below market lending to PCs – add Add Use of proceeds
  56. 56. Impact – Outcomes for Rural Women in PCs Enterprise Ownership and Development Employment Generation and Development Increase in Income Generate Wealth and Business Opportunities Empowerment Outcomes Mobilizing Rural Women Communities Training and Skilling Enterprise Governance and Management Creation of Financial Assets Quality Production (Handlooms/Agriculture) Business Innovation and operational efficiency Scale the Producer Company 56
  57. 57. Impact – Journey of a Rural Women Ramakka – Muttaram Village, Karimnagar District (Telangana) Like most dairy farmers in rural India, she earned a meager income from dairy. Before Investment Income - Rs 36,000/ Annum Asset – 1 Buffalo Investment of Rs 2,50,000 After Investment Income - Rs 3,00,000/ Annum Asset – 1 Buffalo + 8 Cows A successful mini dairy farmer after receiving support from Access Livelihoods. 57
  58. 58. Impact - SDG Goal Alignment Overall SDGs Impacted Handlooms Education Agriculture 58
  59. 59. Impact Agriculture Handlooms Education 825 women own the business 4x increase in the income of weavers Touched 65000+ households Accelerated 17 enterprises in 4 states Incubated 54 enterprises in 5 states 19000+ participants across all programs 33% increase in income of women enrolled in WEP 59
  60. 60. GV Krishnagopal Group CEO IRMA 20+ years experience in community development Email: krishnagopal.grandhi@alcindia.org Contact: +91 94409 01140 Thank You 60
  61. 61. THANK YOU 61

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