At the time of the creation of FXB International, the entire International Community was turning to micro-credit advocating it as THE solution to fight against poverty on a large scale. Albina Boisrouvray, Founder and President Emerita, however, was convinced that this solution was in fact not suitable for people living in extreme poverty since the latter would never have the opportunity to simultaneously develop an income-generating activity and repay loans. In this logic, with her teams, she developed, in 1991, a pioneering solution of holistic approach (graduated approach) – FXBVillage Programme Methodology.
FXB India Suraksha's flagship FXBVILLAGE programme focuses on empowering vulnerable/ marginalized families through simultaneously addressing five predominant drivers of poverty: lack of nutrition, health, education, housing and income. This integrated approach provides a single response to the multidimensional causes of poverty. Each FXBVillage programme is customized to meet the needs specific to a community with respect to its social, cultural, political, geographical and economic backdrop. The programme is a strict time-bound intervention of three years and serves 80 to 100 families (around 500-600 people). Through the delivery of essential services, FXBIS ensures that families are thriving and children reach their full potential.
The key driver to break the cycle of poverty over the long run is economic empowerment. FXB provides a small start-up capital and promotes financial inclusion so that programme participants can secure a portfolio of Income Generating Activities (IGAs). The new IGAs allow families to gradually earn enough income to provide for their daily needs and become socially and economically self-sufficient. Other features of the intervention include medical care and nutritional support, psychological counselling, awareness campaigns on and access to water and sanitation services as well as educational assistance. These direct forms of support are gradually reduced over the three-year period as families gradually take charge of meeting their basic needs.
As participants’ ability to meet their basic needs increase, FXB gradually lessens financial support to encourage self-sufficiency. FXB families continue to thrive after the program completes.