The document summarizes the evolution of NWTF's Energy Program, which provides financing for solar and clean cooking technologies. It began in 2009 focusing on small loans but faced challenges motivating loan officers. Actions taken included increased energy training for officers and hiring green energy officers. The program now offers incentives to loan officers and engages clients as energy suppliers. It has expanded access to energy, increased business hours and study time, and provided supplemental income. Lessons highlight listening to customers and satisfied clients promoting the program. Partnerships now support technical assistance and community organizing to further develop renewable energy products and access.

2. Social Impact
Environmental
Protection
Financial
Sustainability

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

14. THANK YOU