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Water and Sanitation Market Assessment: Potential Viability of WaterCredit and Microfinance Solutions in Bolivia
This executive summary contains an overview of information collected by Water.org during a rapid market assessment to determine the potential viability of WaterCredit in Bolivia. Both the water and sanitation and microfinance sectors were examined and opportunities analyzed in the assessment. Bolivia WaterCredit Rapid Market Assessment – Executive Summary (July 2012) v2
Water and Sanitation Market Assessment: Potential Viability of WaterCredit & Microfinance Solutions in Indonesia
The Indonesia WaterCredit Market Assessment evaluates the market for water, sanitation and hygiene (WASH) services in Indonesia and gauges potential opportunities to expand access to new or improved WASH solutions through financial services. The report is based on focus groups with residents in rural, urban, and peri-urban areas, as well as a comprehensive series of [...]
“Assessing the Role of Women in Microfinance for Water Supply and Sanitation Services”-Author: Abby Waldorf
This paper analyzes the relationship between gender, microfinance, and water/sanitation service provision. As microfinance institutions and development agencies consider the efficacy and scalability of microfinance in the water and sanitation field, these entities must recognize the disproportionate affect of such projects on women. Assessing the Role of Women in Microfinance for Water Supply and Sanitation [...]
Funding the Flow: Microfinance for Water Connections (Final Report on USAID’s Environmental Services Program in Indonesia)
This report describes successful efforts to facilitate provision of microfinance loans to fund new household connections to water networks in Indonesia. As part of USAID’s Environmental Services Program, DAI supported 14 local water utilities to establish partnerships with local banks and arrange for new customer financing. The program supported over 12,000 new connections and successfully [...]
Water and Sanitation Market Assessment: Potential Regional Viability of WaterCredit and Microfinance Solutions in Peru
(Water.org: 2012) The Peru executive summary contains an overview of information collected by Water.org during a rapid market assessment to determine the potential viability of WaterCredit in Peru. Both the water and sanitation and microfinance sectors were examined and opportunities analyzed in the assessment. Peru WaterCredit Market Assessment – Executive Summary (May 2012)
Water and Sanitation Market Assessment: Potential Regional Viability of WaterCredit and Microfinance Solutions in Colombia
(Water.org: 2012) This executive summary contains an overview of information collected by Water.org during a rapid market assessment to determine the potential viability of WaterCredit in Colombia. Both the water and sanitation and microfinance sectors were examined and opportunities analyzed in the assessment. Colombia RMA Executive Summary_June 2012
(Water.org: 2012) The WaterCredit Executive Summary provides an overview of Water.org’s current WaterCredit initiatives to increase access to credit and capital for safe water and sanitation. English and Spanish translations.
The objective of this report is to identify ways in which governments and external support agencies can increase access to finance for small-scale WATSAN providers, by channelling public funding to support the market and leverage private sector financing. The ultimate objective in doing so is to increase access to services for poor households, who either [...]
Water.org’s initial work with MFIs from 2008-2011 has been an important success. MFIs found significant demand for loans for individual water connections, harvesting tanks, toilets, latrines, and similar other products. Utilization rates for water and sanitation access and loan repayment rates were both very high. As a result of this success, Water.org is in the [...]
Of interest rates, margin caps & poverty lending: How the RBI policy will affect access to microcredit by low income clients
The Indian microfinance crisis that triggered by the controversial Andhra Pradesh’s microfinance law has had a severe impact on Indian MFIs’ routine operations. The crisis has brought down the portfolios of Indian MFIs by as much as 50% from their peak in October 2010. In the context of the draft Microfinance Bill that seeks to [...]
Of late, financial inclusion has taken a front seat in various development dialogues, policies and approaches across the globe. “Full financial inclusion” is a state in which all people who can use them have access to a suite of quality financial services, provided at affordable prices, in a convenient manner, and with dignity for the [...]
MicroRate’s sixth annual global microfinance investment survey brings interesting findings to the microfinance community. This survey summarizes the dramatic growth of microfinance investment vehicles (MIVs) during the past six years, and finds that the microfinance sector has grown 12% during 2010 as compared to 22% during 2009. The global financial crisis that began in 2008 [...]
The need and importance for providing access to safe to water and sanitation has been recognized well in Millennium Development Goal (MDG) No. 7. Water and Sanitation are also closely linked with the achievement of many other MDGs, as they affect individuals and community life both directly and indirectly. This report reveals that in sub-Saharan [...]
(IRES 2011) We study the demand for household water connections in urban Morocco, and the effect of such connections on household welfare. In the northern city of Tangiers, among homeowners without a private connection to the city’s water grid, a random subset was offered a simplified procedure to purchase a household connection on credit (at [...]
(Economic and Political Weekly 2011) The papers in this issue of the Review of Women’s Studies examine the relationship of women to water, setting it in the institutional environment of gender relations and state policy. Despite the policy initiatives and attendant programmes to expand access to water users, given our hierarchical society, the conversion of drinking water into a [...]
Action Research (1999) -There are a growing number of emerging microfinance institutions in urban India that are facilitating poor communities to access to improved shelter and services through the provision of small scale credit. These include credit to pay for water connections…
IRC (2007). The Millennium Development Goals (MDGs) identified water and sanitation services as key factors in lifting people out of poverty. However, the influential Camdessus Report estimated that financial flows to the sector must at least double to achieve the MDG water and sanitation targets. Financing is a necessary (but not sufficient) condition for achieving adequate water and sanitation services and the resulting benefits on health, education and economic activity.
(Water.org 2008)This study looks at the development of a water and sanitation loan fund deployed through a network of women’s self-help groups in Southern India. The success of the loan fund reduced barriers to credit from formal lending institutions and increased investment in water and sanitation facilities in urban and rural areas. The study utilizes pre- and post-program data to construct a case study of key program impacts. Results from this study indicate that micro-finance principles can be successfully applied to the water and sanitation sector. The objectives of this case study are to summarize what is known about this loan program and explore the possibilities and limitations of this new financing model for the water and sanitation sector. We recommend further research on gender and economic impacts.
Improving Access to Water Supply and Sanitation in Urban India: Microfinance for Water and Sanitation Infrastructure
(Standford/IWA 2008) This article summarises initial findings of a study to explore the potential of providing microfinancing for low-income households wishing to invest in improved water supply and sanitation services. Through in-depth interviews with more than 800 households in the city of Hyderabad in India, we conclude that, even if provided with market (not concessional) rates of financing, a substantial proportion of poor households would invest in water and sewer network connections.
In 2008 the Bangladesh University of Engineering and Technology (BUET) conducted a 3rd Party Evaluation of Water.org’s WaterCredit and grant programs in Bangladesh. The study looked at the the following:
• Function of the water and sanitation facilities and user use;
• User statisfaction among the project beneficiaries;
• Post-project health and socio-economic impacts in project areas.
Water.org contracted MicroSave, a boutique microfinance advisory firm, to conduct market assessments in Kenya and Uganda in order to determine the demand and potential for establishing WaterCredit among microfinance institutions (MFIs) in partnership with Water and Sanitation (WSH) organizations.
IRC (2007) – Microfinance is topical because it can make an important contribution to the achievement of the Millennium Development Goals (MDGs). Used properly, it can help toreduce income poverty, lessen the vulnerability of the poorestand empower women. For the water & sanitation sector, it canhelp the poor to have access to water services.