Addressing the Risks & Vulnerabilities of Clients

thru DRR-CCA

A SEDFI Sharing on DRR-CCA Experience

July 27, 2012

Outline of PresentationOutline of Presentation Purpose – sharing of SEDFI’s journey in mainstreaming

CMDRR-CCA

I SEDFI’s beginnings – short introduction

II SEDFI’s DRR-CCA Experiences

III DRR-CCA Initiatives

IV Suggestions

Brief BeginningsBrief Beginnings SEDFI – organized in 1985 as a private sector’s response

to the call for relief and rehabilitation after the havoc of Typhoon Nitang in September, 1984 .

Brief BeginningsBrief Beginnings

• No available NGO/private sector to help in the call for rehabilitation work

1st salvo was the distribution of 7,200 packets of vegetable seeds for the SDN province

SEDFI as a foundation was assisted by Phil. Business for Social Progress.

Rehabilitation work focused on rebuilding schools, potable water systems, pre and post harvest facilities, livelihood activities.

Introduction of Social Credit in 1986 by PBSP

Brief BeginningsBrief Beginnings Introduction of microfinance in 1995 by NLSF, PCFC

Consolidation of 2 SEDFI programs in 2005 (MICROFINANCE & BIODIVERSITY CONSERVATION) into the overarching flagship program of SUSTAINABLE DEVELOPMENT

Orientation of SPM in 2007, CMDRR in 2008, DRR-CCA in 2010 and Client Protection Principles in 2011

Cut-across themes like gender, peace, ecosystem approach , etc.

Harmonizing SEDFI plans into one integrated plan starting 2012

As of June 30, 2012As of June 30, 2012 46 municipalities being served in 4 provinces of

CARAGA

87 M portfolio for microfinance with 26,699 MEs

3 PAGLAUM projects until 2014

32 peoples organizations

1M fund for NGP & biodiversity projects for 2012

BDS

Reflection-Reflection-why DRR-CCA ?why DRR-CCA ?

It has become clearer to SEDFI staff that poverty cannot be solved by just microfinance alone, but also confronting root causes to the feminization of poverty, unproductiveness , confused values, issues like disasters, peace conflicts, adverse effects of climate change and many more.

How can we help? What are our competencies ?

Where will we concentrate based on priority needs and our own skills and interests?

Legal FrameworkLegal Framework::

An archipelago of 7,100 islands that lies in the Pacific Ring of Fire

Why DRR/CCA?Why DRR/CCA?1. Disasters affect all of

us

2. It’s everybody’s concern

3. Our knowledge and expertise can help others

4. Contribute to sustainable development

Why DRR-CCA?Why DRR-CCA?

5.Lessen/minimize disasters by supporting our efforts for biodiversity conservation.

6. Promote poverty alleviation

The Three Bottom The Three Bottom lineslines

As part of the reflection on consolidating the 2 programs , we came up with the three bottom lines in 2005

We decided that we should be measured at the end of the day by three standards :

- are we socially relevant- are we serving the poor and least fortunate? (SOCIAL)

- are we environmentally friendly- do we conserve and protect our remaining natural resources ? (ENVIRONMENTAL)

- are we financially sustainable ? Are we fair to both clients and staff ? And the environment too ? (FINANCIAL)

DRR-CCA WorkDRR-CCA Work Invitation by PEF & CORDAID on CMDRR

Orientations with Dinagat Centers Why Dinagat (centers were active, affected by disasters) Orientation & sharing with staff on CMDRR

Partnership with OXFAM GB on DRR-CCA Coordination meetings with OCD 13, PDRRMC, MDRRMCs 10 barangays of 5 pilot municipalities in Surigao del Sur and 10 barangays of 5 pilot communities in Surigao del Norte Barangay profiling, Participatory Capacity and Vulnerability

Assessments Contingency Plannings 10 small projects on IEC, canal dredging and emergency boats

Effects of Disasters in Effects of Disasters in Our MF Operations : Our MF Operations :

Low debt collections activities, high PAR

Inability of MFI to give financial services to clients

Mobility of communities hampered

Decreased productivity of parents as they have to take care of their children

Food insecurity

Typhoon Sendong & psychological effects, bayanihan spirit

Increasing poverty

Coping/Adaptation Coping/Adaptation Mechanisms:Mechanisms:

Even during Typhoon Ruping in 1990 up to present, SEDFI has already started to condone loan interest with only payment of principal to borrowers who were hardest hit by the typhoon. Others who were not affected were still required to pay their dues.

No targets collections and extension of services terms or due dates for calamity victims like typhoons, flood victims, arson

Past disasters & hazards : typhoons, sea surges, tsunami scares, erosions, floods, basura :

(sharing during center meetings as part of stress debriefing)

SOPs During SOPs During Disasters/Emergencies Disasters/Emergencies

HRMO/Adm Asst immediately notify all branch heads of warnings/ bulletins

Open radios during office hours

Solar operated lamps ready at all times

Access news bulletins through OCD/PAG-ASA hotlines/texts

Have a companion in going out, especially if there are impending bad weather/ other identified hazards

Policy already ready for relief operations

DRR-CCA SEDFI manual ?

Other Issues SEDFI Other Issues SEDFI would like to address would like to address

: : Training on quick response responses/ survival tips ie by

Red Cross/OCD/Military

Quick Reaching out in flood prone areas

Easy coordination with CSOs and other government agencies specially on emergency and relief operation

Continuing environmental enhancements- ie reforestation, nursery of endemic species, adopt an area

Mangrove reforestation

Solid waste management IEC

Training staff & volunteers on CISD

MitigationMitigation PreparednessPreparedness

ResponseResponseRehabilitation/Rehabilitation/ RecoveryRecovery

COMPREHENSIVE DISASTER RISK MANAGEMENT FRAMEWORK

pre eventpre event

post eventpost event

risk assessment

hazard/risk analysis

risk & vulnerability reduction EWS, plans,

arrangements, training, exercises

disaster / emergency

situation stabilized

no longer direct threat to life/safety and property

mostly back to normal

“healing”, repair, reconstruction & recovery

“BUILD BACK BETTER”“BUILD BACK BETTER”

• Risk Identification• Risk Reduction• Risk Transfer

COMPREHENSIVE DISASTER RISK MANAGEMENT FRAMEWORK

post post eventevent

PreparednessPreparedness

ResponseResponseRehabilitation/Rehabilitation/ RecoveryRecovery

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Mitigation

pre eventpre event

“BUILD BACK BETTER”“BUILD BACK BETTER”

• Risk Identification• Risk Reduction• Risk Transfer

Construction of dams, flood control structures, slope protection

Land Use regulations

Hazards Mapping

Risk assessment

Local Ordinances on safety of communities

Financial tools

• Drills & exercises

• Damage Assessment & Needs Analysis (DANA)

Distribution of Relief Assistance

• Incident Command System

• Livelihood

• Housing

• Lifelines

• Education

• Infrastructures

• Installation of Early Warning Devices

• Formulation of DRM and Contingency Plans

• Conduct of Disaster related trainings

• Emergency Medical Services

• Search, Rescue & Evacuation

• Organization of disaster volunteer groups

::1 Make Disaster Risk Reduction a Priority

Ensure that disaster risk reduction is a national and a local priority with a strong institutional basis for implementation

Identify, assess and monitor disaster risks - and enhance early warning

2 Know the risk and take action

3 Build understanding and awareness

Use knowledge, innovation, and education to build a culture of safety and resilience at all levels

4 Reduce risk

Reduce the underlying risk factors

5 Be Prepared and Ready to Act

Strengthen disaster preparedness for effective response at all levels

Disaster-Resilient Disaster-Resilient CommunityCommunity

Capacity to absorb stress or destructive forces through resistance or adaptation

Capacity to manage or maintain certain basic functions and structures during disastrous events

Capacity to recover or “bounce back” after an event

Greater emphasis on what communities can do for themselves and how to strengthen their capacities (rather than concentrating on their vulnerability to disaster or their needs to emergency)

* DRR is a collection of actions or processes undertaken towards achieving resilience*

Bayanihan in RescueBayanihan in Rescue

Disaster risk reduction is about helping people become less vulnerable to disasters

Salamater kadayaw.