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Social Impact
Environmental
Protection
Financial
Sustainability
The Initial model focused exclusively on
providing members’ with financing for
small solar portable lighting devices and
efficient cook stoves.
NWTF’s Energy Program began in 2009:
RESOURCES
• Internal Resource
• ARC Finance
• Grants
Issues in the early part
of the Program
Motivation among loan officers to focus on energy
loans was quite low despite the fact that client
demand was observed to be high, due to:
- Loan Officers uncertainty and lack of familiarity
with energy technologies;
- increased workload and complexity of energy
product promotion;
- The small average size of energy loans created a
strong disincentive for proactive promotion by
Loan Officers.
Actions Taken
• Increased level of Energy Training and On- going
Support to Loan Officers & simultaneously Reduce
the Overall Workload for those involved in energy
product promotion;
• Hiring “Green Energy Officers” stationed in each
of the islands where it has rolled out the energy
lending program. These Officers became
responsible in training and re-training of Branch
staff in the proper use of energy products and
coaching the Loan Officers in the most effective
ways to communicate benefits to clients.
Some Adaptations to the model
• Enhanced energy product lines
• Redefining NWTF Clients as both Energy
Customers and Suppliers
• Shift in how incentives and responsibilities
are defined and distributed between
personnel
A significant increase in Loan Officers
motivation:
• Loan Officers receive cash incentives for
every energy loan disbursed that ranges
between 200-600 pesos depending on the
product.
Target Beneficiaries
The Primary target beneficiaries of NWTF’s Energy
Lending Program are the women clients both in rural
and urban areas, as well as the non-members who are
small-scale retailers, food vendors, as well as those
who are engaged in agriculture and fishing as
livelihood.
It was estimated that they comprise 75% of NWTF
clients who are connected to the grid however, most
are illegally connected and only few enjoy consistent
service.
Outputs, Outcome and Impact
1. Number of Units sold increased:
2013 – 7,500 (due to typhoon Yolanda)
2014 - 5,470
2. NWTF Active Loan Clients Increased:
2010 – 80,000 Clients
2012 - 140,000 Clients
Dec 2014 – 217,745 Clients
3. Business hours of members’ sari-sari store are extended.
4. Students are able to study and do their home works at night
5. Clients as “Energy Product Sales Agents” earned supplemental
income thus, able to help improving the well being of her family
in terms of more and better food, buy medicine if someone is sick,
provide extra money for snacks while children are in school and
also for transportation.
• The Client as “Business Partner”.
– This strategy allows NWTF program to reach more
customers, including the non-members. Likewise, the
burden of sales activities shifted from Loan officers to the
Client-Business Partner.
– As it aligns with the organization’s core mission of
supporting clients’ in breaking the vicious cycle of
poverty, it likewise provides supplemental livelihood as
Energy Product Sales Agents.
Innovations
Lessons Learned
• Listening to our customers – The rapid increase
in sales in recent years are due to our constant
dialogue with clients.
• Satisfied clients are best promoters
• Continuing commitment to expand the energy
access
• Provide adequate knowledge to staff on the
energy products to build their confidence.
Moving Forward
New Partnerships
• NWTF partnered with “ada Luxembourg” for
the DevSEA Program or Developing
Sustainable Energy Access in form of:
– Technical assistance
– Community Organizing for Community Loans
– Grant fund for the development of renewable energy
products.
Through the (MCPI) or Microfinance Council of
the Philippines
THANK YOU

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Energy Lending Program

  • 1.
  • 3. The Initial model focused exclusively on providing members’ with financing for small solar portable lighting devices and efficient cook stoves. NWTF’s Energy Program began in 2009:
  • 4. RESOURCES • Internal Resource • ARC Finance • Grants
  • 5. Issues in the early part of the Program Motivation among loan officers to focus on energy loans was quite low despite the fact that client demand was observed to be high, due to: - Loan Officers uncertainty and lack of familiarity with energy technologies; - increased workload and complexity of energy product promotion; - The small average size of energy loans created a strong disincentive for proactive promotion by Loan Officers.
  • 6. Actions Taken • Increased level of Energy Training and On- going Support to Loan Officers & simultaneously Reduce the Overall Workload for those involved in energy product promotion; • Hiring “Green Energy Officers” stationed in each of the islands where it has rolled out the energy lending program. These Officers became responsible in training and re-training of Branch staff in the proper use of energy products and coaching the Loan Officers in the most effective ways to communicate benefits to clients.
  • 7. Some Adaptations to the model • Enhanced energy product lines • Redefining NWTF Clients as both Energy Customers and Suppliers • Shift in how incentives and responsibilities are defined and distributed between personnel
  • 8. A significant increase in Loan Officers motivation: • Loan Officers receive cash incentives for every energy loan disbursed that ranges between 200-600 pesos depending on the product.
  • 9. Target Beneficiaries The Primary target beneficiaries of NWTF’s Energy Lending Program are the women clients both in rural and urban areas, as well as the non-members who are small-scale retailers, food vendors, as well as those who are engaged in agriculture and fishing as livelihood. It was estimated that they comprise 75% of NWTF clients who are connected to the grid however, most are illegally connected and only few enjoy consistent service.
  • 10. Outputs, Outcome and Impact 1. Number of Units sold increased: 2013 – 7,500 (due to typhoon Yolanda) 2014 - 5,470 2. NWTF Active Loan Clients Increased: 2010 – 80,000 Clients 2012 - 140,000 Clients Dec 2014 – 217,745 Clients 3. Business hours of members’ sari-sari store are extended. 4. Students are able to study and do their home works at night 5. Clients as “Energy Product Sales Agents” earned supplemental income thus, able to help improving the well being of her family in terms of more and better food, buy medicine if someone is sick, provide extra money for snacks while children are in school and also for transportation.
  • 11. • The Client as “Business Partner”. – This strategy allows NWTF program to reach more customers, including the non-members. Likewise, the burden of sales activities shifted from Loan officers to the Client-Business Partner. – As it aligns with the organization’s core mission of supporting clients’ in breaking the vicious cycle of poverty, it likewise provides supplemental livelihood as Energy Product Sales Agents. Innovations
  • 12. Lessons Learned • Listening to our customers – The rapid increase in sales in recent years are due to our constant dialogue with clients. • Satisfied clients are best promoters • Continuing commitment to expand the energy access • Provide adequate knowledge to staff on the energy products to build their confidence.
  • 13. Moving Forward New Partnerships • NWTF partnered with “ada Luxembourg” for the DevSEA Program or Developing Sustainable Energy Access in form of: – Technical assistance – Community Organizing for Community Loans – Grant fund for the development of renewable energy products. Through the (MCPI) or Microfinance Council of the Philippines