Renewable Energy Programme Renewable Energy Programme Of Of Of Of - - PowerPoint PPT Presentation

Renewable Energy Programme Renewable Energy Programme

Of Of Of Of

TMSS TMSS

Brief Information about the MFI Brief Information about the MFI



N f th MFI TMSS



Name of the MFI‐ TMSS



Year of establishment‐ 1964.



Ongoing programmes‐ TMSS has 54 Nos Ongoing programmes.

• A. Climate Change, Disaster Preparedness and Environment Department:
• A. Climate Change, Disaster Preparedness and Environment Department:

1.TMSS Renewable Energy Program (TREP) 2.Bandhu Chula 3.Social Forestry Programme (Road side tree plantation) 4.Tree Deposit Scheme (TDS) 5.TMSS Nursery Project

• B. Microfinance Department:

1.General Microfinance 2.Islamic Microfinance 3.Foreign Remittance Payment Programme (FRPP) 4.Post-Literacy & Continuing Education for Human Development Project (PLCEHD)-2 5 Reaching Out of School Children (ROSC) 5.Reaching Out of School Children (ROSC) 6.Day Care Center (DCC) 7.TMSS Kinder Garten School (TKGS) 8.Khatemon Ideal Junior High School 9.TMSS PUBLIC SCHOOL AND COLLEGE (TPSC) 10.Thengamara Yeatimkhana & Hafizia Madrasha TMSS Cadet Madrasha (TCM) TMSS Cadet Madrasha (TCM) 11.TMSS Medical College (TMC) 12.TMSS Nursing College (TNC) 13.TMSS Medical Assistant Training School (TMATS) 14.TMSS Medical Technology Institute ( TMTI) 15.TMSS Medical Institute of Research & Technology (TMIRT) 16 TMSS C it P di I tit t (TCPI) 16.TMSS Community Paramedic Institute (TCPI) 17.Rangpur Community Paramedic Institu te (RCPI) 18.TMSS Technical institute (TTI) 19.TMSS Textile Engineering institute (TTEI) 20.TMSS Multilateral Agriculture Technology Institute (TMATI) 21.TMSS Travels & Tourism Training Institute (TTTTI)

Ongoing programmes (Cont.)‐

• C. Health Department:
• 22. TMSS Health Care Centre (THCC)

23.Rafatullh Community Hospital (RCH) 24 TMSS Masuda Maternity Hospital (TMMH)

• E. Human Rights and Women Development Department:
• 39. Assistance Programme on Counter Trafficking (APCT)

40.Human Rights and Gender (HR&G) 41 Law & Litigation Section

g g p g ( )

24.TMSS Masuda Maternity Hospital (TMMH) 25.Smile Train Rafatullah Community Hospital (RCH) Cleft Project Tuberculosis Control Programme, Round-10, GFATM 26.Towards Sustainable Quality Healthcare Delivery at Grassroots level through Active Participation of Civil 27 Urban Component of Sanitation Hygiene Education & Water 41.Law & Litigation Section

• F. Human Resource Development Department:
• 42. Training Department

43.Livelihood Skill Training (LST) 44.Community Development Program (CDP) 27.Urban Component of Sanitation, Hygiene Education & Water Supply (SHEAWS) Project 28.Infant Young Child Feeding(IYCF) Programme

• D. Food Security & Livelihood Department:
• 29. Women in Seed Entrepreneurship(WISE)

30 TMSS Barkat Seed Sector(TBSS)

• G. Social Enterprise Department:
• 45. TMSS Handicraft (TH)

46.TMSS Women Market (TWM) 47.TMSS Utpadon Food (TUF) 48.TMSS CNG Ltd. (TCNG) 49 TMSS P i ti P (TPP) 30.TMSS Barkat Seed Sector(TBSS) 31.TMSS Fisheries Project (TFP) 32.Cereal Systems Initiative for South Asia-(CSISA) 33.Health Education and Livelihoods Supports for the Ultra Poor(HELP-UP) 34.Development Support Services to VGD Women 35 TMSS A i lt P j t 49.TMSS Printing Press (TPP) 50.TMSS Northern Recruiting Agency (TNRA) Ltd. 51.TMSS Travels & Tourism Ltd. (TTTL) 52.TMSS Saw mill and Furniture production 53.Building Construction Limited (BCL) 54.TMSS Courier Service (TCS). 35.TMSS Agriculture Project 36.Land and Land Development 37.Barrind Irrigation Project (BIP) 38.Labor Contracting Society (LCS)

Information about Information about Microfinance Microfinance programme programme p g p g

Member 7,76,795 (0.77 Million)

Report up to May Report up to May‐2013 2013

Member 7,7 ,795 ( 77

)

Borrower 6,50,913 (0.65 Million) Savings Balance 282,40,28,665 (2,824 Million) Loan Portfolio 775,91,21,111 (7,759 Million) Recovery Rate 99.59 % FSS 139 %

Loan & Savings Products Loan & Savings Products

Principal Loan Products Savings Products

Rural Micro Credit (RMC)

• General Savings
• Special Savings
• Monthly Savings

Urban Micro Credit (UMC ) Micro Credit for the Hard Core Poor Micro Enterprise & SME Program Agriculture Development Program Agribusiness Development Program

• Monthly Savings

Agribusiness Development Program Livestock Development Program Seasonal Loan Program Disaster Management Loan Program

TMSS TMSS Renewable Energy Renewable Energy programme programme Information Information

Up to May Up to May‐2013 2013

 Year of starting

Year of starting programme programme‐ 2003

2003

 Number of clients covered

Number of clients covered‐ 25786

25786

 Renewable energy products

Renewable energy products – Re ewab e e e gy p oducts Re ewab e e e gy p oducts

TMSS TMSS provides two types of Renewable energy products provides two types of Renewable energy products ‐ ‐

i) Solar Home System and ) Solar Home System and ii) S l I i i P ii) S l I i i P ii) Solar Irrigation Pump ii) Solar Irrigation Pump

i) Solar Solar Home Home System System‐ To

To make make the the renewable renewable energy energy popular popular and and available available

Renewable energy products Renewable energy products –

i) Solar Solar Home Home System System

To To make make the the renewable renewable energy energy popular popular and and available, available, TMSS TMSS delivers delivers watt watt pick pick based based packages packages. . TMSS TMSS offers

• ffers the

the following following facilities facilities to to the the buyers buyers‐ a) a) Cash Cash purchase purchase b) Credit purchase b) Credit purchase b) Credit purchase b) Credit purchase c) Credit purchase without Service Charge. c) Credit purchase without Service Charge. a) a) Cash purchase : Cash purchase :– –

 Customer can purchase in cash price and get discount facility The warranty products

ustomer can purchase in cash price and get discount facility The warranty products

 Customer can purchase in cash price and get discount facility. The warranty products

ustomer can purchase in cash price and get discount facility. The warranty products are ensured services are ensured services upto upto their warranty periods as well. their warranty periods as well. b) b) Credit Credit purchase purchase: :‐ SHS SHS packages packages are are sold sold in in installments installments to to the the Customers Customers in in credit credit SHS SHS packages packages are are sold sold in in installments installments to to the the Customers Customers in in credit credit. Large Large packages packages ( (30 30wp wp‐125 125wp wp) ) have have 15 15% % down down payment payment facilities facilities. . Low Low income income people people can can purchase purchase 20 20wp wp SHS SHS with with 10 10% % Down Down payment payment. . If If any any customer customer wants wants fewer fewer accessories, accessories, then then the the price price of

• f that

that item item is is deducted deducted from from the the package package price price the the package package price price. Generally Generally the the repayment repayment period period ranges ranges from from 90 90 days days to to 36 36 months months and and the the installments installments are are paid paid monthly monthly basis basis. . c) c) Credit Credit purchase purchase without without Service Service Charge Charge‐ If If any any customer customer plans plans to to repay repay within within three three c) c) Credit Credit purchase purchase without without Service Service Charge Charge‐ If If any any customer customer plans plans to to repay repay within within three three (03 03) ) months months then then service service charge charge is is exempted exempted. .

ii) Solar Irrigation System: ii) Solar Irrigation System:

TMSS TMSS provides financial and technical support to Solar provides financial and technical support to Solar Irrigation Irrigation

• system. Here, two types of services are provided
• system. Here, two types of services are provided‐

a) a)

Solar Irrigation System provide Solar Irrigation System provide‐ g y p g y p

Anybody individual/ group of farmers Anybody individual/ group of farmers can purchase the Solar can purchase the Solar Irrigation system Irrigation system in in installments with 30% down payment. installments with 30% down payment. Maximum repayment period is Maximum repayment period is upto upto 5 years. 5 years. Installments are monthly or contractual (season base). Installments are monthly or contractual (season base). Interest rate 8%. Interest rate 8%.

b) Water supply b) Water supply‐ pp y pp y Farmers Farmers can purchase water from Solar can purchase water from Solar irrigation system irrigation system established by established by TMSS TMSS at at very small amount of charges. very small amount of charges.

Renewable Energy financing mechanism Renewable Energy financing mechanism



The The SHSs SHSs are installed in customer’s houses at free of charges. are installed in customer’s houses at free of charges.



Th i Ch i 8% Th i h i li bl l f th t i d Th i Ch i 8% Th i h i li bl l f th t i d

Renewable Energy financing mechanism Renewable Energy financing mechanism



The service Charge is 8%. The service charge is applicable only for the repayment period. The service Charge is 8%. The service charge is applicable only for the repayment period.



The monthly installments are collected from customers houses/ business places. The monthly installments are collected from customers houses/ business places.



TMSS TMSS provides provides SHSs SHSs ranging from 11,900/= (20 ranging from 11,900/= (20 wattpick wattpick package) to 67,300/= (135 package) to 67,300/= (135 wattpick wattpick). ).



In credit sales, Loan amount is measured after deducting the Down payment. In credit sales, Loan amount is measured after deducting the Down payment. , g p y , g p y



Educational Institute, Religious places Educational Institute, Religious places e.g e.g Mosques/Temples/Church get Mosques/Temples/Church get

• 1
• 1 year service charge free repayment period.

year service charge free repayment period.



The warranty periods are The warranty periods are i) Panel= 20 years, ii) Charge Controller= 3 years, iii)Batteries= 5 ) Panel= 20 years, ii) Charge Controller= 3 years, iii)Batteries= 5 d i ) LED li h d i ) LED li h years and iv) LED light= 2 years. years and iv) LED light= 2 years.



According According to to agreement agreement between between TMSS TMSS and and the the customer, customer, If If any any problem problem occurs

• ccurs in

in SHS SHS within within the the warranty warranty period, period, TMSS TMSS maintenance maintenance them them at at free free of

• f cost

cost. .



After After the the agreement agreement time, time, a renewal renewal for for maintenance maintenance & & service service with with a a minimal minimal cost cost is is g , conducted conducted. .



TMSS TMSS staff staff regularly regularly visits visits the the customer customer households households and and provide provide necessary necessary maintenances maintenances. .



If If any any customer customer gets gets Gridline Gridline connection connection and and decides decides to to discontinue discontinue the the service, service, the the SHS SHS is is returned returned by by “Buy “Buy Back” Back” system system In In Buy Buy Back Back system system a depreciation depreciation and and the the service service charge charge of

• f

returned returned by by Buy Buy Back Back system

• system. In

In Buy Buy Back Back system, system, a depreciation depreciation and and the the service service charge charge of

• f

the the usage usage period period is is considered considered in in valuation valuation of

• f the

the SHS SHS set set. .

Renewable Energy financing mechanism (cont.) Renewable Energy financing mechanism (cont.)

• TMSS

TMSS provide provide wattpick wattpick based based packages packages considering considering the the potential potential

Renewable Energy financing mechanism (cont.) Renewable Energy financing mechanism (cont.)

TMSS TMSS provide provide wattpick wattpick based based packages packages considering considering the the potential potential customer’s customer’s income income level level and and capacity capacity to to pay pay the the installments installments. . That That means, means, Solar Solar Home Home System System does does not not generate generate any any Income Income directly directly. . Rather Rather sometimes sometimes it it contributes contributes to to increase increase the the income, income,

• Solar

Solar Home Home System System helps helps to to in in Home Home lighting, lighting, Education, Education, Entertainment Entertainment and and sometimes sometimes in in income income generating generating activities activities. . It It also also helps helps in in reducing reducing h l h h l h h d h d health health hazards, hazards,

• Loan

Loan repayment repayment period period is is determined determined as as per per customers customers desire desire. . This This can can be be upto upto 5 years years Payment Payment schedule schedule is is Monthly Monthly be be upto upto 5 years

• years. Payment

Payment schedule schedule is is Monthly, Monthly,

• If

If any any customer customer wants wants to to complete complete the the payment payment earlier earlier than than then then the the limit limit time time then then the the service service charge charge is is applicable applicable only

• nly on
• n that

that period period time, time, then then the the service service charge charge is is applicable applicable only

• nly on
• n that

that period period.

The source of fund for The source of fund for TMSS TMSS Renewable Energy Renewable Energy The source of fund for The source of fund for TMSS TMSS Renewable Energy Renewable Energy

 Own fund and

Own fund and Own fund and Own fund and

 Loan from

Loan from IDCOL IDCOL

How Renewable Energy How Renewable Energy programme programme fits with fits with Microfinance? Microfinance?

The The Microfinance Microfinance has has a a huge huge impact impact on

• n Renewable

Renewable Energy Energy program program management management. . The The Solar Solar Home Home System System with with Credit Credit facility facility in in Bangladesh Bangladesh is is World World famous famous now now as as well well as as Microfinance Microfinance . . We We know, know, normally normally the the activity activity processes processes of

• f Micro

Micro finance finance is is-

• Assessment

Assessment of

• f the

the potential potential customers customers investment investment / / utilization utilization planning planning with with the the Loan Loan

• Loan

Loan Sanction Sanction

• The

The customer customer invest invest the the amount amount generate generate income income and and then then The The customer customer invest invest the the amount, amount, generate generate income income and and then then

• Repayment

Repayment of

• f the

the loan loan. . And And In In Renewable Renewable Energy Energy programme programme-

• Primary

Primary area area selection selection A i i i i

• Awareness

Awareness raising raising

• Asses

Asses the the customer’s customer’s demand demand

• Assessing

Assessing the the present present financial financial condition condition of

• f the

the customer customer to to pay pay the the loan loan

• Setup

Setup the the SHS SHS at at the the customers customers house house

• Training

Training to to customer customer and and his his family family member member about about the the operating

• perating and

and regular regular maintenance maintenance of

• f

g g y p g p g g system system

• Service

Service & & Maintenance Maintenance on

• n call

call

• Regular

Regular visit visit and and

• Collect

Collect monthly monthly installments installments. .

How Renewable Energy How Renewable Energy programme programme fits with fits with gy gy p g p g Microfinance? (cont.) Microfinance? (cont.)

Considering all these factors, it can be said that Considering all these factors, it can be said that-

•  Microfinance and Renewable Energy have many differences except

Microfinance and Renewable Energy have many differences except collecting installments. collecting installments.

 Microfinance is a very sensitive issue. The staffs and officials of the MF

Microfinance is a very sensitive issue. The staffs and officials of the MF y programme programme always concentrate on the installment collection always concentrate on the installment collection i.e i.e loan loan recovery. recovery.

 It is very much difficult for them to concentrate on Technical aspects,

It is very much difficult for them to concentrate on Technical aspects, Marketing, service & Maintenance of Renewable Energy systems. Marketing, service & Maintenance of Renewable Energy systems. To To put put it it in in a a nutshell, nutshell, if if Renewable Renewable Energy Energy Programme Programme is is operated

• perated

independently, independently, then then Marketing, Marketing, Sales, Sales, Technical Technical Service Service & & Maintenance, Maintenance, Microcredit Microcredit all all are are bind bind in in same same string string. From From the the experience experience from from g p Microfinance Microfinance & & Renewable Renewable Energy Energy programme programme, , it it can can be be said said that, that, Renewable Renewable Energy Energy programme programme can can be be more more successful successful if if

• perated
• perated

independently independently with with the the help help of

• f Microfinance

Microfinance management management. .

SWOT SWOT Analysis of Renewable Energy Analysis of Renewable Energy programme programme SWOT SWOT Analysis of Renewable Energy Analysis of Renewable Energy programme programme

 Strength:

Strength:

 TMSS

TMSS gets refinance from gets refinance from IDCOL IDCOL sufficiently and regular basis sufficiently and regular basis

 TMSS

TMSS gets refinance from gets refinance from IDCOL IDCOL sufficiently and regular basis. sufficiently and regular basis. Besides, Besides, TMSS TMSS can manage own fund to continue the can manage own fund to continue the programme programme uninterruptedly. uninterruptedly.

 TMSS

TMSS is operating the is operating the programme programme in remote areas and have already in remote areas and have already

 TMSS

TMSS is operating the is operating the programme programme in remote areas and have already in remote areas and have already established a large network of itself. established a large network of itself.

 TMSS

TMSS has also developed a large Human resource who are skilled has also developed a large Human resource who are skilled and experienced in Renewable energy sector and experienced in Renewable energy sector and experienced in Renewable energy sector. and experienced in Renewable energy sector.

TMSS

TMSS collects quality products/ accessories from local and collects quality products/ accessories from local and international suppliers and sale to the customers. And also provide international suppliers and sale to the customers. And also provide declared warranty service declared warranty service declared warranty service. declared warranty service.

 Strength

Strength (cont (cont. .) ): :

TMSS

TMSS has has skilled skilled manpower manpower and and large large network network for for Selection Selection of

• f

potential potential areas, areas, publicity, publicity, publication, publication, motivation, motivation, selection selection of

• f

potential potential customers, customers, communicating communicating with with them, them, arranging arranging special special meeting meeting for for smooth smooth operation

• peration of
• f the

the programme programme, ,

TMSS

TMSS is is competing competing with with the the other

• ther competitor

competitor by by Quality Quality product product installation installation and and proper proper & & timely timely service service provide provide. . p p p p y p

 As

As a a result result of

• f right

right selection selection of

• f customers

customers and and providing providing better better services, services, the the rate rate of

• f recovery

recovery for for TMSS TMSS is is appreciable appreciable. .

 Weakness:

Weakness:‐

Renewable Renewable Energy Energy Programme Programme is is related related to to physical physical labor labor. . gy gy g p y p y Moreover, Moreover, it it is is operated

• perated in

in very very remote remote places places. . As As a result, result, the the Drop Drop out

• ut rate

rate of

• f staffs

staffs are are higher higher than than other

• ther programme

programme. .

 Opportunity

Opportunity:‐ pp y pp y

• The

The Government Government is is yet yet to to provide provide Gridline Gridline connection connection in in large large number number of

• f areas

areas. . Moreover, Moreover, the the electricity electricity production production is is not not sufficient sufficient for for the the demand demand which which is is responsible responsible for for L d L d h ddi h ddi A hi hi i d d d d f S l S l Load Load‐shedding

• shedding. At

At this this circumstances, circumstances, demand demand for for Solar Solar Electrification Electrification is is increasing increasing day day by by day day which which is is a a good good

• pportunity
• pportunity for

for Renewable Renewable Energy Energy programme programme, ,

• TMSS

TMSS has has already already established established good good network network and and

• TMSS

TMSS has has already already established established good good network network and and understanding understanding with with the the accessories accessories and and materials materials manufacturers manufacturers & & suppliers suppliers as as per per demand, demand,

• The

The Government Government and and many many Autonomous Autonomous bodies bodies are are y interested interested to to promote promote the the RE RE programme programme, ,

• Different

Different Donors Donors and and organizations

• rganizations are

are interested interested to to work work for for RE RE programme programme, ,

• TMSS

TMSS Mi fi Mi fi k / di di S l S l H

• TMSS

TMSS Microfinance Microfinance network network promote/ promote/ discuss discuss Solar Solar Home Home System System in in the the regular regular Group Group meeting meeting & & assist assist to to identify identify potential potential clients clients. .

Threat: Threat: Threat: Threat:‐

 Some Politicians electoral declaration for providing Gridline

Some Politicians electoral declaration for providing Gridline l i i k l i d l i i k l i d SHS SHS electricity make people uninterested to get electricity make people uninterested to get SHS SHS, ,

 Natural Disasters damages the

Natural Disasters damages the SHS SHS sets of customers. sets of customers.

 The Government gives subsidy on Gridline electricity make it less

The Government gives subsidy on Gridline electricity make it less expensive than expensive than SHS SHS, ,

 Solar Panels are Tax Vat Exempted, however other materials like

Solar Panels are Tax Vat Exempted, however other materials like Batteries, LED light, Cables are not which causes high price of Batteries, LED light, Cables are not which causes high price of Solar Home System. Solar Home System.

 IDCOL

IDCOL has stopped Grant on Large has stopped Grant on Large SHS SHS ( (30wp 30wp+), the costing of +), the costing of these sets are increased; these sets are increased;

 TMSS

TMSS makes Packages as per makes Packages as per IDCOL IDCOL approved design where approved design where quality products are ensured. As example, high quality Batteries quality products are ensured. As example, high quality Batteries with three (03) days backup are used. Whereas, many with three (03) days backup are used. Whereas, many

• rganizations other than POs provide very low price package
• rganizations other than POs provide very low price package

using batteries with one (01) day backup and cheap accessories. using batteries with one (01) day backup and cheap accessories. As a result, customers get confused. As a result, customers get confused.

THANK YOU THANK YOU From From From From

TMSS TMSS