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Sanitation Microfinance in Tanzania_Overview of research activities (Nov 2013-Dec 2014)
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Sanitation Microfinance in Tanzania_Overview of research activities (Nov 2013-Dec 2014)

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These slides were presented in Dar Es Salaam in December 2013 at a workshop gathering microfinance institutions, NGOs and actors of the sanitation sector. They present the activities that will be …

These slides were presented in Dar Es Salaam in December 2013 at a workshop gathering microfinance institutions, NGOs and actors of the sanitation sector. They present the activities that will be undertaken as part of a one-year action research funded by SHARE and WaterAid.

Published in: Economy & Finance, Business
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  • The term sanitation financial “product” refers to the type of financing that might be offered, usually with a combination of micro-credit and micro-saving schemes, independently of the type of sanitation facilities that such financing is used for.
  • There is potential however to th
  • Objectives of the working group: disseminate existing knowledge about sanitation microfinance (in Tanzania and worldwide), identifymore specific research questions, overseeing the development of pilot projects and sharing results and experiences.Local partners will be two to three organisations that will express willingness to engage with the project to evaluate the market for, develop and test pilot sanitation microfinance products in their service areas. The selection will be done by the research partners so as to ensure a suitable mix of types of organisations (commercial banks if they are interested, MFIs and NGOs) and market settings (rural and peri-urban). The geographical areas targeted by the project have not been predetermined in advance.
  • Gathering key actors of the sector menasformin a SHWG
  • Transcript

    • 1. 1 DEVELOPING SANITATION MICROFINANCE IN TANZANIA PROJECT ACTIVITIES AND ORGANISATION
    • 2. Approach to the project 2 A collaborative “action-research” project to:  Stimulate the interest of existing financial institutions so that they start offering tailored microfinance products for sanitation  Strengthen the capacity of NGOs already offering sanitation microfinance  Develop, test and disseminate lessons on sanitation microfinance, generated through the project and via further ongoing activities if there is up-take
    • 3. Underlying assumptions     Sanitation microfinance products need to respond to a clearly identified demand Developing suitable sanitation microfinance products requires specific skills and management systems Rolling out sanitation microfinance requires main actors (government, support organisations, donors, MFIs, banks, NGOs) to incorporate these products into a sector improvement strategy Context-specific aspects need to be taken into account, e.g.:   Developments in the housing finance sector (where microfinance is also provided for non-income generating activities) Local dynamics might impact capacity to take on loans (such as
    • 4. Building on the local context 4   Take advantage of the momentum generated by the launch the NSC – but how? Seek opportunities to embed sanitation microfinance in wider financing programmes, e.g. housing finance, which is growing    To make it more attractive: “Toilet loans” alone may not be attractive To avoid situation where toilets look nicer/ sturdier than house itself But this means regulation/enforcement so that houses are effectively built with facilities – again, how? Discussion for the Working Group
    • 5. Project Activities – Stage 1 5  Stage 1: preparation of pilot projects (Dec 2013 to Feb-2014)  Establish a sanitation microfinance working group with interested stakeholders  Select local partners to develop and pilot-test sanitation financial products, combining micro-credit with micro-saving as appropriate depending on the local population’s needs  Deliver training on qualitative market research (both an in class and field work based) to local partners to improve their capacity to conduct market research and develop microfinance products aimed at financing sanitation facilities and/or services
    • 6. Project Activities – Stage 2 6  Stage 2: Implement pilot projects (Mar-August 2014) Local partners will carry out small scale qualitative market research to assess sanitation and hygiene financing needs in selected/targeted area  Local partners will develop suitable sanitation financial products, for households or small-scale providers  Research team will provide on-demand support to partners at all stages of the implementation process, to help them address specific issues
    • 7. Activities – Stage 3 7  Stage 3: extracting lessons learned (SeptNov 2014)  Research partners will evaluate the performance of each pilot project and the impact of facilitating access to finance on increasing access to sanitation and hygiene services  Consolidate the knowledge and lessons generated from the research activities undertaken during this project with outputs of previous research in an overall publication to disseminate lessons: report / journal article
    • 8. Activity schedule 8 Oct-13 Nov-13 Dec-13 Jan-14 Feb-14 Mar-14 Apr-14 May-14 Jun-14 Jul-14 Aug-14 Sep-14 Oct-14 Nov-14 Stage 1 - Preparation of pilot projects Activity 1.1. - Establish a sanitation microfinance working group Identify potential members Draft Terms of Reference for the Working group Hold first meeting of the working group in Dar es Salaam Activity 1.2. - Select local research partners for pilot testing Solicit interest from potential local research partners (application form and interviews) Agree on list of local research partners Activity 1.3. - Deliver training on qualitative market research Stage 2 - Implementation of pilot projects Activity 2.1. - Support the research partners to conduct small qualitative market research Activity 2.2. - Facilitate discussions about product design and pilot project planning Hold intermediary working group meeting after pilots launch Activity 2.3. - Support with pilot testing of pilot projects: monitoring performance Stage 3 - Extracting lessons learned Activity 3.1. - Support the research partners to evaluate the impact of the pilot projects Activity 3.2. - Draw overall lessons learned Hold summary meeting of the sanitation microfinance working group in DES Key dates: • Application forms to be submitted by 16th December 2013 • Identification of research partners by end December 2013 • Hands-on training programme delivered between 27th January and mid February • Working group meeting to share intermediary lessons in April 2014 • Final WG meeting for overall reflections in November 2014 (at the latest)
    • 9. 9 Working group – proposed setup  Inspired from the Housing Microfinance group in Tanzania  Membership: all institutions interested in how sanitation microfinance can be used to deliver sustainable services – chair to be elected from members, simple TORS will be circulated for approval  Specific objectives   Exchange knowledge and experience on the development of sanitation microfinance products in Tanzania and elsewhere   Gather stakeholders who might not otherwise meet (e.g. banks and NGOs) Act as a focal point on sanitation microfinance in Tanzania for external parties (e.g. donors, funders, researchers, etc.) Periodicity of meetings  Minimum 3 meetings during project duration (including today’s meeting)  Frequency could be increased if there is demand
    • 10. Working group – key issues 10    Are some stakeholders interested in hosting working group sessions (hold meetings in different premises each time?) Do we need:  Rules on handling commercially-confidential information?  Rules on sharing results and findings from the research? Methods of communication: Simple email exchanges with dropbox folder?  Social media: Facebook or Linked-in group?  Simple website? If so: self-standing website or as 
    • 11. Selected research partners 11 Up to 4 selected financial institutions (MFIs, banks or NGOs) will be action research partners  Active in urban or rural sanitation, products targeting households or small businesses, with prior experience in either sanitation, microfinance, or both  Local partners will be provided with technical assistance for:   On-call support for product marketing and roll-out   Training on market research and product development tailored to the sanitation markets Performance monitoring on product penetration and impacts Local partners will be expected to contribute:  Up to two specialised staff to take part in training, prepare market assessment and product development report for their institution and take on the subsequent rolling-out of designed products  Travel and accommodation costs during training  Capital for lending schemes
    • 12. Market Research for Microfinance Course Outline Day 1-3 Overview of Product Development and Market Research (Classroom-Based Course) • Overview of Product Development and Market Research • Background to Market Research for Microfinance Institutions • Product Development Cycle • Introduction to Market Research • Focus Group Discussions • Group Moderation • Analyzing and Presenting FGD Results • Participatory Rapid Appraisal (PRA) • Analyzing PRA Results Days 4-10 FGDs and PRA exercises and Analysis (Field Days) Day 11 Concept/Prototype Development Day 12 Prototype Testing, Pilot-Testing and Planning
    • 13. Product Development Process • One institution is expected to be the ‘host’ [we will need volunteers] • During training field days, participants will conduct a research for host institution • The participants with the assistance of MicroSave will develop a need assessment report and product concept for the institution Every institution is then expected to develop a research plan that include research issue, objectives and research methods at the end of the training as a take home • MicroSave will provide technical support to selected institutions: • Implement research plan • Produce individual reports and concepts • Refine and test the concepts to product prototypes • Testing the prototypes
    • 14. Approach to partner selection 14  Application  form to facilitate selection Size of the organisation, lending portfolio, prior experience in microfinance, reasons for requesting training  Demonstrate    commitment: For the training: ability to mobilise staff and days to develop “product concepts” After training, selection of 2 institutions to turn these concepts into prototypes for pilot testing based on “readiness” to move to implementation Other institutions having participated to the training will receive on-call support
    • 15. In summary: project outputs 15     Sanitation Microfinance WG: Terms of Reference, collation of relevant background documents, communication tool Market research report for each of the local research partners (i.e. MFI, commercial bank or NGO) Evaluation reports of the pilot projects for each of the local research partners An overall report extracting lessons learned from this project and previous microfinance research work which could later be turned into a journal article if deemed appropriate.
    • 16. 16 Team sophie@tremolet.com goufrane@tremolet.com mugweru@microsave.net muruka@microsave.net

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