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J
AN
M
ITRA
R
ICKSHAW
S
ANGH
Annual Report 2008
The starting of the Rickshaw Bank in Varanasi is thebeginning of new erafor labour and those earning their livelihood by driving rickshaws.
 
OUTLINE
I.
Introduction & Overviewa.Mission b.Team
c.
Org Structure / Role of affiliatesII.Operations & Guidelinesa.Loan Procedure & Guidelines b.Partnership Agreementsi.PNBii.Insurance & licensingiii.Advertisingiv.Suppliers1.Cost Breakupc.GovernanceIII.Progress to Datea.Initial Steps
b.
Full Operations / Rickshaw Distributionsc.Timeline
d.
Financial overviewi.Paybacks so far, analysis of loan recoveriesii.Operation expenses
e.
Issues & Challenges
i.
Role of traditional vs. CRD rickshaws (driver taste, distribution)f.Characteristics of each distribution cycle (insurance given out?, CRD-funded?, etc)g.Meetings with other partiesIV.Detailed exhibitsa.Financials b.Unit costs
c.
Detailed contract summaries (suppliers)V.Case Studies
QuestionsProcedure
-
Assembly
o
When were the first 75 rickshaws constructed, timeline of construction?
o
What does JIG mean? How was new design constructed (timeline)-
Details of insurance agreement (initial cost, has this changed? Term of agreement, Can itchange in future?)
-
Advertising agreement -
Advertising penetration rate?
o
Solutions for introducing advertising to Varanasi (batch advertising, e.g. 1,000 rs/month for 10 rickshaws). Is there advantage to CRD brand for this? Visit to local businesses? Helpfrom Tata Tea?-Who designs uniforms? What is the cost? How much inventory left?
o
Are drivers wearing the uniforms? Why not? Is this a potential cost saving?-Full overview of loan process and supply chain
o
How much money repaid to own rickshaw?
o
Surrender process: unofficial notice, legal notice, etc.-Are rickshaws only distributed in ceremonies? What are the benefits / costs to ceremonies?
Affiliates
-Personnel distribution per organization?
Finances
-Full budget with cost overruns & explanation-Loans
 
o
Surrender rate by batch
o
Surrender policy-
Other
-Annual goals for next year? / Expected growth?
JAN MITRA RICKSHAW SANGH ANNUAL REPORT
 for the Period from September 2007 to September 2008
R 
ICKSHAW
B
ANK 
O
VERVIEW
 
 Introduction
The Jan Mitra Rickshaw Sangh project was initiated by Jan Mitra Nyas in August 2007 to improve thelivelihoods of cycle rickshaw drivers in the Varanasi area by enabling vehicle ownership and providing accessto basic financial services and benefits.The JM Rickshaw Bank is serving the 25,000+ rickshaw drivers in the Varanasi area by offering theopportunity to own rickshaws under rent-to-own programs, open bank accounts and gain access to socialservices such as insurance. As of October 2008, the program currently has nearly 150 rickshaw driver members who are on the path to ownership.After between 18 to 24 months of daily rental payments, driversown their own rickshaws.After gaining the financial independence of asset ownership, drivers mightleverage this to increase savings, pursue household and educational loans and develop communal facilities.
 JM Rickshaw Team
The JM Rickshaw Bank project team was chosen through an interview process. The current team consists of five employees involved with daily operations, all under the oversight of Dr. Lenin Raghuvanshi, the Director of the Rickshaw Bank as well as two affiliated organizations, the People’s Vigilance Committee on HumanRights (PVCHR) and Capital Markets for the Marginalized (CMM),a public charitable trust.
Rickshaw Sangh Team
Mr. Upendra Kumar
Project Coordinator
Mr. UmeshSingh
Coordinating Accountant
Mr. Sanjay Srivastava
Field Coordinator
Mr. Ashish Singh
Field Coordinator
Mr. ArvindMishra
MobilizerCoordinator
Dr. Lenin Raghuvanshi,
Director
The Project Coordinator is responsible for …[Explanation of roles]
Organizational Structure and Role of Affiliates
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