FMO ES for MFIs PartB Field Guide

8/14/2019 FMO ES for MFIs PartB Field Guide

1/29

Socialand EnvironmentalField Guide

for Micro Finance Institutions

Working with Clients on the Social and Environmental Aspects of Microfinance

PART B: FIELD GUIDE


2/29

Sector factsheets

Sector Factsheets are available for all 24 sectors mentioned in the previous section. Incase factsheets are missing or sectors that are important a particular MFI they need tobe developed. Other factsheets can serve as the basis here. In case the factsheets donot include factors that are important for the business of a particular MFI, modificationsneed to be made.

In this Field guide, factsheets are included for the following activities / sectors:

A1 Crop growing A2 Animal Husbandry A3 Fishery S1 Shop/Retail/Market S2 Restaurant/Tea Stall S3 Tourism

S4 Healthcare S5 Transportation S6 Wholesale Trade P1 Handicrafts P2 Leather Tanning P3 Brick/Tile P4 Metalworking / Electroplating P5 Painting & printing

P6 Auto/Motor repair P7 Wood/metal Processing P8 Charcoal production P9 Garments production P10 Textile Dying P11 Ceramics,Pottery,Glazing P12 Glass manufacturing P13 Mining P14 Forestry

P15 Food processing


3/29

In the overview below, the content and lay-out of the factsheets is being explained.


4/29

'' indicates when a risk is

possible, but not probable,

'x' indicates when in a sectorthere is a relevant risk

possibility Environment

HealthandSafety

Labour

Cropgrowing

Animalhusbandry

Fishery

Shop/Retail/Market

Stall

Restaurant/TeaStall

Tourism

Healthcare

Transportation

WholesaleTrade

Handicrafts

Leathertanning

Brick/tilemanufacturing

Metalworking&

Electroplating

Painting&Printing

Auto/Motorrepair

Wood/metalProcessing&

Finishing

CharcoalProduction

Garmentsproduction

Textiledying

Ceramics,Pottery,

Glazing

GlassManufacturing

Mining

Forestry

FoodProcessing

.. when the Client is A1 A2 A3 S1 S2 S3 S4 S5 S6 P1 P2 P3 P4 P5 P6 P7 P8 P9 P10 P11 P12 P13 P14 P15

using (a) machine(s)[E] [H&S]

x x x x x x x x x using

chemicals/paint/solvents/lubricants/pesticides/fertilizers [H&S]

x x x x x x x x x

employing children[L]

x x x x x x x x x x x

working in bad conditions[H&S] [L] x x x x x x x x x x x x x

disposing of organic /production / chemical waste [E] [H&S]

x x x x x x x x x

causing emissions to air[E] [H&S]

x x x x x

polluting water[E] [H&S]

x x x x x x x x

processing food[H&S]

x x x

clearing forest for land

cultivation [E]x x x x

extracting clay or minerals[E]

x x x

catching fish[E]

x

keeping animals[H&S]

x


5/29


6/29

A2 Agriculture Animal Husbandry

O B S E R V EO B S E R V EO B S E R V EO B S E R V EThe Client is AAAA NNNN AAAA LLLL YYYY SSSS EEEEThere is a risk if D I S C U S SD I S C U S SD I S C U S SD I S C U S SWhat is important S U G G E S TS U G G E S TS U G G E S TS U G G E S TSuggest the client to

Background, relevant legislation, minimal requirements Solutions, tips, further information

- ILO Conventions 138 and 182- No waste(water)disposal without permit- Dont install diesel generator sets without approval certificate- Have MSDS available when working with chemicals

- Farmers should use pesticides that are permitted.- Farmers should consider to carry out integrated pest management (biological physical chemical)- Fix leaks promptly Dripping joints can waste over 76 liters of water a day- In case there is no waste disposal facility: Contact (alone or in collaboration with other entrepreneurs) local

council and ask for improved public service

keeping animals [H&S] Animals are kept near eating / sleeping Animals can spread diseases Keep animals in a separate area

clearing forest for landcultivation

[E] Forest is managed unsustainable (illegaland/or without reforestation plan)

Deforestation, if not performed carefully andin a sustainable way causes land erosionand degradation, and eventually mud

streams and water floods

Agree only on permitted and sustainable forms ofuse of pristine land

employing children [L] Children are being employed Children should receive education, propernutrition and health care. They should beprotected from abuse and discrimination,able to play and enjoy their childhood

Have children help with light duties only Only outside school hours and pupils must have

time and designated place to do homework Children do not operate hazardous machines

Back to top


7/29

A3 Agriculture - Fishery



- ILO Conventions 138 and 182- No waste(water)disposal without permit- Have MSDS available when working with chemicals

- Use only pesticides that are permitted.- Consider to carry out integrated pest management (biological physical chemical)

catching fish [E] illegal fishing methods are being practiced Fishing with explosives, chemicals and/orillegal methods leads to useless killing ofextra (small) fish and other marine flora andfauna

Imported species can harm the regionalecosystem (e.g. predators, pests)

Support sustainable forms of fishery Only use nets and fishing methods that keep small

fish and extra catch alive and healthy Use species of origin, or keep foreign species

strictly separate Observe fishery regulations, such as closed

seasons Report any changes in fish stocks and marine

habitat to authorities employing children [L] Children are being employed Children should receive education, proper

nutrition and health care. They should beprotected from abuse and discrimination,able to play and enjoy their childhood



using chemicals/pesticides/explosifs

[H&S] No protective equipment andsafeguards are available to workers (masks,goggles, gloves, overalls)[H&S] No material safety data sheets (orother safety leaflets) are available

Preventing contact with acids, pigments,solvents diminishes skin irritation, chroniclung disease

Material Safety Data Sheets keep youinformed about use and safety aspects ofchemicals

Do not over-use chemicals Make protective equipment and safeguards

available to workers (masks, goggles, gloves,overalls)

Have material safety data sheets available Establish contingency plans for accidents Have fire fighting equipmentand first aid kit

available

Back to top


8/29

S1 Service Shop / Retail / Market Stall

OOOO B S E R V EB S E R V EB S E R V EB S E R V EThe Client is AAAA NNNN AAAA LLLL YYYY SSSS EEEEThere is a risk if D I S C U S SD I S C U S SD I S C U S SD I S C U S SWhat is important S U G G E S TS U G G E S TS U G G E S TS U G G E S TSuggest the client to



- Fix leaks promptly Dripping joints can waste over 76 liters of water a day- In case there is no waste disposal facility: Contact (alone or in collaboration with other entrepeneurs) local





processing food [H&S] perishable ingredients (especiallymeat, poultry and fish) are not kept fresh andcool[H&S] basic hygienic practices are not

enforced (washing hands, clean tools, cleanwater)

A clean workspace prevents from diseasesand germs

Clean, uncontaminated food is healthy andprevents serious illness and is thus

protecting your clients (= business)

Keep the working area clean Wash hands and tools at all times Use clean water only Have first aid kit available

disposing of organic /production / chemical waste

[E] [H&S] Waste is lying around and/or notproperly disposed of

Proper disposal of waste prevents attractionof pests, vermin, rodents or parasites andintoxication of soil and water

Organic waste can be re-used as fertilizer oranimal fodder

Dispose via community service in stead of burning Have dustbins available; waste lying around

attracts even more waste Sell waste/scrap to recycling companies

Back to top


9/29

S2 Service Restaurant / Tea Stall

O B S E R V EO B S E R V EO B S E R V EO B S E R V EThe Client is AAAA NNNN AAAA LLLL YYYY SSSS EEEEThere is a risk if D I S C UD I S C UD I S C UD I S C U S SS SS SS SWhat is important S U G G E S TS U G G E S TS U G G E S TS U G G E S TSuggest the client to



- Fix leaks promptly Dripping joints can waste over 76 liters of water a day- In case there is no waste disposal facility: Contact (alone or in collaboration with other entrepreneurs) local





processing food [H&S] perishable ingredients (especiallymeat, poultry and fish) are not kept fresh andcool[H&S] basic hygienic practices are notenforced (washing hands, clean tools, clean

water)

A clean workspace prevents from diseasesand germs

Clean, uncontaminated food is healthy andprevents serious illness and is thusprotecting your clients (= business)

Keep the working area clean Wash hands and tools at all times Use clean water only Have first aid kit available







Back to top


10/29

S3 Service - Tourism



- ILO Conventions 138 and 182- No waste(water)disposal without permit- Dont install diesel generator sets without approval certificate

- In case there is no waste disposal facility: Contact (alone or in collaboration with other entrepreneurs) localcouncil and ask for improved public service




working in badconditions

[L] There are no clear agreements withemployees: they cannot claim their rights[L] There is an unsafe working environmentpotentially leading to stress (aggression,discrimination, sexual violence)

Clear agreements with employees shouldbe in place, protecting their rights

Working in a unsafe environment (noaggression, discrimination, (sexual)violence) prevents from stress

Vulnerable groups (children/women) do not work indangerous areas

Establish contingency plans for accidents

Back to top


11/29

S4 Service - Healthcare



- ILO Conventions 138 and 182- No waste(water)disposal without permit- without permit (e.g. Prevention and Control of Pollution Act, 1974)- Dont install diesel generator sets without approval certificate- Have MSDS available when working with chemicals

- Fix leaks promptly Dripping joints can waste over 76 liters of water a day- In case there is no waste disposal facility: Contact (alone or in collaboration with other entrepeneurs) local


usingchemicals/pharmaceutical

substances

[H&S] No protective equipment andsafeguards are available to workers (masks,goggles, gloves, overalls)[H&S] No material safety data sheets (orother safety leaflets) are available

Preventing contact with acids, pigments,solvents diminishes skin irritation, chroniclung disease

Material Safety Data Sheets keep youinformed about use and safety aspects ofchemicals

Do not over-use chemicals Make protective equipment and safeguards

available to workers (masks, goggles, gloves,overalls)

Have material safety data sheets available Establish contingency plans for accidents Have fire fighting equipment and first aid kit

available



Proper disposal of waste prevents attractionof pests, vermin, rodents or parasites and

intoxication of soil and water




Back to top


12/29

S5 Service - Transportation



- Dont install diesel generator sets without approval certificate- Drivers should have license and be permitted to drive

- In case there is no waste disposal facility: Contact (alone or in collaboration with other entrepeneurs) localcouncil and ask for improved public service

using (a) machine(s) [H&S] Machines look unsafe, ill maintained,have dangerous parts[H&S] No safeguards are available and/orused when necessary[E] Leakages, disposals, liquid waste orwastewater drains to stream/river/pond/soil

Well maintained machines are safe, notdangerous and cheaper in use

Operating a machine with propersafeguards prevents accidents

Machines can leak oil/lubricants and thatwill spoil drinking water

Malfunctioning Electricity is dangerous andcreate fallout

Position machines on a safe spot and coverdangerous moving parts

Take up maintenance routine, follow strictmaintenance and lubrication practices for themoving parts of equipment

Keep machines in good shape and clean Experience operators only Provide and use safeguards (goggles, gloves,

mask) Re-use scrap / disposals Stop leakages

Stop draining liquid waste Establish contingency plans for accidents Have fire fighting equipment and first aid kit

available

causing emissions to air [E] [H&S] Smoke / exhaust gas is beingproduced and emitted while no filters arebeing used

Using filters and proper chimneys preventsnearby residents from contact withcontaminated gases

Reducing air emissions prevents globalwarming (CO2 emission)

Reduce unnecessary burning Maintain burners and adjust them well Use clean fuel, Use filters, Use chimneys Use closed heating / burning systems Re-use heat (energy)

Back to top


13/29

S6 Service Wholesale Trade

O B S E R V EO B S E R V EO B S E R V EO B S E R V EThe Client is AAAA NNNN AAAA LLLL YYYY SSSS EEEEThere is a risk if D I S C U S SD I S C U S SD I S C U S SD I S C U S SWhat is important SSSS U G G E S TU G G E S TU G G E S TU G G E S TSuggest the client to


- Dont install diesel generator sets without approval certificate- Have MSDS available when working with chemicals- Client should have proper trade licenses

- In case there is no waste disposal facility: Contact (alone or in collaboration with other entrepeneurs) localcouncil and ask for improved public service








[H&S] Work takes place in unventilated space[H&S] Workers are exposed to dust, noise,vibration[L] There are no clear agreements withemployees: they cannot claim their rights

Clean air and clear sight working conditionsprevent from chronic illness

Clear agreements with employees shouldbe in place, protecting their rights

Make agreements with workers about acceptableworking hours

Ventilate Provide masks and ear plugs Make use of natural light (in other cases: arrange

proper artificial/electric lighting) Vulnerable groups (children/women) do not work in

dangerous areas Establish contingency plans for accidents Have fire fighting equipment and first aid kit

available

Back to top


14/29


15/29


16/29


17/29


18/29


19/29


20/29


21/29

P8 Production Charcoal production



- Dont install diesel generator sets without approval certificate - In case there is no waste disposal facility: Contact (alone or in collaboration with other entrepreneurs) localcouncil and ask for improved public service

clearing forest [E] Forest is managed unsustainable (illegaland/or without reforestation plan)

Deforestation, if not performed carefully andin a sustainable way causes land erosionand degradation, and eventually mudstreams and water floods


Apply reforestation: plant new trees

causing emissions to air [E] [H&S] Smoke / exhaust gas is beingproduced and emitted while no filters arebeing used

Using filters and proper chimneys preventsnearby residents from contact withcontaminated gases

Reducing air emissions prevents globalwarming (CO2 emission)

Reduce unnecessary burning Maintain burners and adjust them well Use clean fuel, Use filters, Use chimneys Use closed heating / burning systems Re-use heat (energy)


[H&S] Work takes place in unventilated space[H&S] Workers are exposed to smoke, dust

Clean air working conditions prevent fromchronic illness

Make agreements with workers about acceptableworking hours

Ventilate Provide masks Vulnerable groups (children/women) do not work in

dangerous areas Establish contingency plans for accidents Have fire fighting equipment and first aid kit

available

Back to top


22/29


23/29


24/29


25/29


26/29


27/29

P14 Production Forestry



- Dont install diesel generator sets without approval certificate - In case there is no waste disposal facility: Contact (alone or in collaboration with other entrepeneurs) localcouncil and ask for improved public service

clearing forest [E] Forest is managed unsustainable (illegaland/or without reforestation plan)

Deforestation, if not performed carefully andin a sustainable way causes land erosionand degradation, and eventually mudstreams and water floods


Apply reforestation: plant new trees

using (a) machine(s) [H&S] Machines look unsafe, ill maintained,have dangerous parts[H&S] No safeguards are available and/orused when necessary[E] Leakages, disposals, liquid waste or

wastewater drains to stream/river/pond/soil

Well maintained machines are safe, notdangerous and cheaper in use

Operating a machine with propersafeguards prevents accidents

Machines can leak oil/lubricants and that

will spoil drinking water Malfunctioning Electricity is dangerous and

create fallout

Position machines on a safe spot and coverdangerous moving parts

Take up maintenance routine, follow strictmaintenance and lubrication practices for themoving parts of equipment

Keep machines in good shape and clean Experience operators only Provide and use safeguards (goggles, gloves,

mask) Re-use scrap / disposals Stop leakages Stop draining liquid waste Establish contingency plans for accidents Have fire fighting equipment and first aid kit

available

Back to top


28/29


29/29

P... Production


FMO ES for MFIs PartB Field Guide

Documents

Transcript of FMO ES for MFIs PartB Field Guide