Microfinance for Water & Sanitation: Cambodian Case Study

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WASH 2011 conference: Jeff Goldberg
MF Advisor

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  • -Focus on lower Mekong region-Supporting / implementing various water, san and hygiene based technologies and interventions – with emphasis on ENTERPRISE DEVELOPMENT.- Strengthening supply chains, and offering attractive, low cost options-5 year program, currently entering 3rd year
  • 2 WaterSHED supported value chains – Sanitation marketing & Hydrologic Social Enterprise (Ceramic Water Purifier)
  • Handout – print and distribute to everyone
  • Beyond developing WaterSHED TA for non-MFI workstreams, core element of project design involve effectively engaging MFI community in partnership for WASH MF Short list criteria: (1) social mission, (2) reputation among clients / general public, (3) products offered, and (4) geographic overlap with WaterSHED areas of operation.
  • Also have WaterSHED field staff and supplier sales agents attending MFI meetings to ID points of entry for marketing WASH products
  • Microfinance for Water & Sanitation: Cambodian Case Study

    1. 1. Microfinance for Water & Sanitation: <br />Cambodian Case Study <br />Jeff Goldberg<br />MF Advisor<br />WASH Conference; Brisbane, Australia<br />May 16, 2011<br />
    2. 2. USAID Global Development Alliance (GDA) <br />Managed by UNC-Chapel Hill<br />Implements Paul Simon Water for Poor Act<br />Emphasizes market-based approach to increase access to WASH products and services in lower income populations<br />What is WaterSHED?<br />
    3. 3. Sanitation<br />Water<br />WaterSHED Overview Cont’d <br />Enterprise<br /> Development<br />Hygiene<br />
    4. 4. What is microfinance for WASH?<br />Refers to small loans and other financial products (e.g., savings schemes) to household  consumers and small scale water and sanitation service providers (e.g., latrine suppliers)<br />
    5. 5. Opportunities for MF<br />HWTS Product Sales<br />Sanitation Marketing <br />
    6. 6. Existing Challenge <br />“AUT LUOY”<br />“If I have $, I will buy a [toilet] [water filter]”<br />
    7. 7. 4 Pronged MF Pilot<br />1-Indiv / SME Loans<br />Scalability<br />WASH PRODUCT UPTAKE<br />2- Savings & Loans Consumers<br />MICROFINANCE<br />3- Trade Credit<br />4- Thong Thin Savings<br />
    8. 8. Is MFI needed?<br />
    9. 9. WaterSHED-MFI Partnership<br />Short list criteria: <br />Social Mission / willingness to engage<br />Community reputation<br />Products offered<br />Geographic overlap with WaterSHED areas of operation<br />
    10. 10. Ground-up Partnership<br />Process:<br />Learning exchange - inviting MFI branch staff to visit suppliers & attend WASH marketing events<br />View operations to ID points of entry for financing<br />
    11. 11. Initial Challenges <br />Interest rates for indiv / SME loans – cited as a major concern for suppliers<br />Savings – collection venue also a major concern for households / end-users <br />Sustainability of subsidized vs. unsubsidized model (Vision Fund-Hydrologic) <br />
    12. 12. Initial Opportunities / Lessons<br />MFIs interested in engaging in social activity – customer loyalty for existing clients and value added to reputation<br />Need hand-holding – reluctant to add new operations without TA / guidance & evidence of scale<br />Also interested in new client base – WASH marketing platform good ‘carrot’ for ensuring engagement<br />Importance of MFI commitment to social mission – driving factor behind solidifying partnerships<br />
    13. 13. Specific Uptake Study<br />Study launch (planned: August 2011) in partnership with UNC - Chapel Hill<br />Ongoing data collection of financial product impact on adoption of WASH technologies in target areas (6 months)<br />Publication and dissemination of results (1 year) <br />
    14. 14. Questions?<br />Jeff Goldberg<br />Microfinance Advisor<br />jeff@watershedasia.org<br />+855 77 959 760<br />

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