個案總覽

Totgars' Co-operative Sale Society (TSS) is an arecanut marketing co-operative headquartered at Sirsi in Uttara Kannada (UK) district of Karnataka, India. As on March 31, 2019, it had more than 30,000 members (including both primary agricultural co-operative societies (PACS) and individuals), total turnover of ₹5047.87 million, and net profit of ₹21.03 million. The primary objective of TSS is to undertake the marketing of the agricultural produce of its members. It has several other objectives that have direct or indirect bearing on the lives of arecanut growers in UK district. The key activities of TSS could be broadly classified into those which are directly related to arecanut marketing and the support services. Activities directly related to arecanut marketing include managing the sale yard in a regulated market, trading arecanut, manufacturing value-added products, and providing storage facilities. Support services include credit, agri-inputs, extension services, animal husbandry, rice milling, transport facilities, health services, consumer goods, and guest house. The business and service portfolio of TSS is highly diversified. The co-operative balances the interests of various stakeholders such as members, employees, traders, and state agencies. This case presents how TSS integrates various businesses and services to provide benefits to its member farmers, while creating value for other stakeholders. Several lessons can be drawn from the experience of TSS.

Anand Saboo Foundation (ASF) is a philanthropic organization set up by an industrialist, Anand Saboo, with the aim of transforming poor people into entrepreneurs. Saboo focused on helping women living below the poverty line to become independent and sustainable small business owners. Saboo is himself a self-made entrepreneur, currently in his 70s, who set up Saboo Foundation in 1991. After experimenting with several different philanthropic models, he settled on the "Saboo Foundation Model", which relies on multiple stakeholders, focuses on equipment rather than cash, and links participating women to a customer base and a supply chain. Initial results show that the 362 women who availed a loan during October 2018 to January 2019 had zero default-rate. Participating women reported an average income of Rs. 7000 (93.3 USD) to Rs. 24,000 (320 USD) per month (3 to 4 times higher than their previous earnings). Saboo Foundation's approach is novel and shares more similarities with a venture capital investment model rather than a traditional lending model. Multiple philanthropic, government, semi-government, and non-profit organizations have worked in this space for decades, and the Anand Saboo Foundation, a relative newcomer in this space, so far, has enjoyed extraordinary success. This case study helps students understand the key facets that make a successful philanthropic model, with a focus on how to develop and support micro-entrepreneurs at the bottom of the pyramid.