The overall objective of the project is to enhance the living and livelihood capacity of the marginalized and disadvantaged people who combat drug abuse and keep precepts, ethical and moral values with specific objectives to create an environment that people shun narcotic and drug abuse with some provisions for living, livelihoods and credit opportunity; to build the capacity so that it can maintain the project long-lasting. The project objectives are; to create living, livelihoods and credit opportunity for whom avoid the use of drug; Locally, when a person wants to access credit, it is very difficult. Function of resource linkage, networking and loan scheme for reduction of drug abuse among the marginalized and disadvantaged people; the Health message recipients have changed the thought of health risks of those drugs and think of changing attitude and behavior are the outcomes of the project.
Project Rationale
XXXXXXX would like to establish a small-scale loan scheme for who needs a few capitals for running micro business or self-employment or employment. If they go to micro-credit institution, they demand too much documentation such as showcase of business, business license, daily running show of business, recommendation letters from Ward Authority and Police Department, testimony of National Identity and family registration. In Myanmar, (20) percent of total population does not hold any identity card and those people are presumably poorest of the poor and from the group of minorities. So, it can be regarded as they are the least advantaged group of people. They might not as well get any loan from official finance institution and they would approach money lenders with (120) percent interest rate within the community. XXXXXXX would like to help those people increase access to interest-free loan and improve livelihoods of the disadvantaged people. However, XXXXXXX practices combat drug and in-taking drug affiliated stuff. Youths today were addicted with any kind of soft drug like chewing betel, smoking, inhaling substance and majority of country’s energy and resources were wasting. So, XXXXXXX would like to save those resources and make they use the resources and energy for individual and public interests.
Consultation Process
XXXXXXX itself is very confident to continue and sustain the new project supported by third party than own grant. As XXXXXXX is doing organization development to strengthen the operating system and procedures to raise fund, support back and receive back with efficient and effective paperwork and monitoring system. In the past, it does not have required policy and procedures.
Out of (219) applicants to get small loans from XXXXXXX, it was done mini-survey. The result was, there were male (52) percent and female (48) percent are submitting applications to get loan. The reason for loan request is (52) percent were for renting the room, (41) percent were for livelihood opportunity and (7) percent are to pay debts. The living cost in Myanmar is very high and also has to be paid one-off than paying lot by lot. For livelihood matter, most people do not have capital even for opening a home shop or travelling shop. The rest of them said they would like to pay debt. When examining the amount, they requested is found 1) Up to Ks. 90000 is just (4) percent, from Ks. 100,000 to 500,000 is (72) percent and the rest (24) percent for more than Ks. 1,000,000.
XXXXXXX is as association of anti-drug and keeping ethics and morals values. When we sanction against drug users not to get any assistance, the favour over whom is free from abusing drug will be a factor of combating drug abuse. Originally XXXXXXX read to all debtors to keep the precepts, ethical values and to avoid drug prior to taking the loan _ but it is not made rigid and strong. So, some are still breaking the ground rules when there is weak monitoring system. By the donor fund, it makes the opportunity of regular monitoring.
Project Strategy
Scope of Service
XXXXXXX will announce the information of loan facility through social media and word of mouth and screening the current applicants. As for the first step screening, the applicant should be from the poor family, or the disadvantaged or the marginalized, or the disabled, and the second criterion will be that the candidate must be free of the use of drug, keeping the ideal ethics and morals, or the person who can commit and practice reducing the use of weaker drug like chewing betel and smoking till he quit it. Women will be given priority for gender equity.
Secondly, his/her proposal will be screened off. Checking the workability, collateral asset if he/she did not pay back the loan, the association will take it in exchange of the loan and check the referee’s commitment in case of his guarantee to compensate the loan if the debtor were not able to pay the loan in cash or in-kind back.
Furthermore, XXXXXXX will take use of loan taker as the agent for health risks of narcotic and drug every week to cover minimum one hundred message receivers during the project life span. At least (2000) people are reached by the agents. It also include if someone quit or promise the in-take of narcotic and drug, he/she has the possibility to get loans.
Geographic Scope
Membership range of XXXXXXX spreads not only in xxxxxxx and but also townships nearby xxxxxx. So, the project covers townships nearby xxxxxx and within xxxxxxx.
Target Group and Beneficiaries
XXXXXXX will focus persons who are marginalized, disadvantaged and in poverty due to paying high interests. But it will actually focus those only who are free from using tobacco and drug and promise to quit smoking, chewing and in-taking drug, among those population. Being women will be third priority for women empowerment.
Statement of the Project
Overall Objective
Enhancing the living and livelihood capacity of the marginalized and disadvantaged people who combat drug abuse and keep precepts, ethical and moral values among XXXXXXX community and surrounding in xxxxxxxxxxxx and nearby
Specific Objective
- To create an environment that people shun narcotic and drug abuse with some provisions for living, livelihoods and credit opportunity;
- To build the capacity of XXXXXXX so that it can maintain the project long-lasting
Activities
Objective 1: To create living, livelihoods and credit opportunity for whom avoid the use of drug
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- Process Administration:
- Assignment of qualified personnel
- XXXXXXX will appoint a person who is computer literate and can read and write well in English. He/she must be good communicator, negotiator as he/she always has to deal with the stakeholders.
- Harvesting need assessment targeting people who are in need of living, livelihood and credit facility;
- XXXXXXX will announce on Facebook and messenger as well as screening the current applicants so that both the existing and new comers will have equal opportunity. The volunteer team has to analyze into groups of who is the people in margins, disadvantaged and paying high-interest loan.
- Establishing opportunities linkages mapping and keeping up-to-date and communicating to stakeholders;
- XXXXXXX will all time communicating facility information to its stakeholders. Among the loan and assistance applicant, Classification of assistance request access to health and education facility, it will network them to the offered sources. XXXXXXX will avoid unnecessary giving loan than networking such as for example, there are many free hospitals, XXXXXXX will network the clients to free hospital than giving health loans.
- Inputs/ Resources for screening, contracting and duties
- XXXXXXX will make sure the use of official contract, paying stamp duty and advice of lawyers.
- Examining the loan proposals, Networking the beneficiaries to the resource facilities, Regular Monitoring & Review;
- The secretariat team will hand over to the screening committee that will call and check all situations: economic-health condition, ability to return the loans, collateral items and referee.
- Giving out Loans and saving monthly return:
- If the screening committee is approved, the secretariat team will run the contracting process and if needed it will take lawyer advice, using the official stamp and contract papers. The team will follow up for installed payment of the borrowers.
- Anti-drug health message delivery by loan taker.
- Process Administration:
Objective 2: To build the capacity of XXXXXXX so that it can maintain the project long-lasting
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- Loan Office Management
- XXXXXXX CEO and volunteers will be back for part-time office duty and assisting the work of projects.
- Fundraising activity of association
XXXXXXX will be about to run meeting, office and training space rental and vehicle rental to sustain its life. It also aims to start the trail of ‘Better Life Camp’ programme taking charge from the attendees. By this revenue, XXXXXXX will try to maintain the project thought it is expired after six months.
Office Administration
The assigned staff with the assistance of volunteer team will make sure arranging day-to-day office administration, communication, hosting and maintenance and so on.
Outputs, Intermediate Outcome and High-level Outcome
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- Function of resource linkage, networking and loan scheme for reduction of drug abuse among the marginalized and disadvantaged people
- Improved access to loans without interests for people in the margins and least advantaged;
- Improved barrier not to access to drug among the target population;
- Increase access to better livelihoods, living choices for people who have affiliated with Shwe Let Set;
- A number marginalized and disadvantaged got relief and confident in XXXXXXX during difficult situation;
- people in XXXXXXX environments received health message, enlightened in life
- the Health message recipients have changed the thought of health risks of those drugs and think of changing attitude and behavior;
Increased knowledge on the risks of narcotic and drug abuse within the targeted community;
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- XXXXXXX is motivated with more capital to continue its own activity of giving loans to the people in margin and least developed combating drug;
- XXXXXXX improved capacity of managing and administering with the clients more systematically
- the model for poverty alleviation and improving healthy lifestyle and moral within the model community
Methodology
Approach 1: Combating high-interest Money Lenders
Locally, when a person wants to access credit, it is very difficult. The easiest way is only if someone has gold, he goes to pawn shop and take credit with (36) percent interest rate per year. For persons who do not submit gold, or high-valued property, he has to pay (120) percent per year interest rate. Only when he has premises that need to show as the collateral, business license, two recommendation letters from Ward Authority and Police Station, he got credit with (13) percent interest rate. XXXXXXX has the big aim to combat those money lenders who take high interests and saving the life of the poor, the marginalized and the disadvantaged.
Mainstreaming
Poverty reduction and combating drug abuse and improved morals and ethical values within the community
Cross-cutting
XXXXXXX with prioritize women and the disabled people to make balance of getting opportunity.
