The document discusses the results of a sanitation loan program run by BRAC in Bangladesh. It notes that in March 2016, 957 household loans and 10 entrepreneur loans were disbursed totaling over 87 lakh taka. Some key challenges were getting clients accustomed to using mobile money services for repayments and ensuring loans were used for sanitation. Demand for complete sanitation packages including loans was high. Collaboration between BRAC programs helped ensure effectiveness.

1. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
project update
Sanitation Loan
28 April, 2015

2. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan

3. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan

4. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Develop a loan product focused on
sanitation in collaboration with BRAC
Microfinance and BRAC WASH
programme
OBJ
1
Increase access to hygienic sanitation
among the poor and non-poor population in
the 20 selected branches
OBJ
2
OVERVIEW
Integrate mobile money service for
transaction
OBJ
3

5. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
OVERVIEW
Client Minimum Maximum Payback time
Households BDT 1,000 BDT 10,000
>5000, 3/6 Months
<5000, 3/6/12 Months
Sanitation
Entrepreneur
BDT 10,000 BDT 50,000 3/6/12 Months

6. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
OVERVIEW
March, 2016
•Number of loan disbursed
– HHs: 957; Average : BDT 9157; Total disbursed: BDT 87.93 lacs
– Sanitation entrepreneur: 10; Average: BDT 43,000
• Total wallet opened : 333
• Transaction through bKash: 67
• Probable member from WASH: 1507

7. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
OVERVIEW

8. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
OVERVIEW
My latrine has
become the model
latrine in my village

9. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
CHALLENGES
• Acquainting clients with the use of bKash
• Differentiating sanitation loan with good loan
• Ensuring proper utilization of the loan

10. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
OBSERVATION
• Demand for sanitation loan is high (complete sanitation package)
• Push households for better sanitation
• Collaboration ensure effectiveness and efficiency of the work

11. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
OBSERVATION

12. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
OBSERVATION

13. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
observation

14. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan

15. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan

16. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
PROFILING

17. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
INFORMATIO
N

18. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
INFORMATIO
N

19. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
INFORMATIO
N

20. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
INFORMATIO
N

21. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
INFORMATIO
N

22. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Multiple
loan and
sanitation
INFORMATIO
N

23. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
5
3000-5000
Multiple
loan and
sanitation
INFORMATIO
N

24. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
25
3000-5000
Multiple
loan and
sanitation
10,000
INFORMATIO
N

25. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Underspe
nt (8)
INFORMATIO
N

26. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
6
Consumption/
well-being
Underspe
nt (8)
INFORMATIO
N

27. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
26
Consumption/
well-being
Underspe
nt (8)
Agri-business
INFORMATIO
N

28. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Overspent
(9)
INFORMATIO
N

29. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
6
Savings
Overspent
(9)
INFORMATIO
N

30. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
36
Savings
Overspent
(9)
Other
informal
sources
INFORMATIO
N

31. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Why
INFORMATIO
N

32. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Why
Well-beingSafe
environment
INFORMATIO
N

33. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Own latrine
Why
Well-beingSafe
environment
Easy
processes
INFORMATIO
N

34. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Own latrine
Social
status
Why
Well-beingSafe
environment
Easy
processes
INFORMATIO
N

35. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Social
status
INFORMATIO
N
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36. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Source of info
INFORMATIO
N

37. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Field staff
Source of info
DABI PO
INFORMATIO
N

38. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Instalment
INFORMATIO
N

39. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
bKash
Instalment
VO
INFORMATIO
N

40. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
12
Uses cell phone Knows about bKash
7
INFORMATIO
N

41. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
12
Knows about bKash
3
INFORMATIO
N
Uses cell phone

42. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
INSIGHTS
• Naming of sanitation loan prompt clients to opt out this loan and ensure
proper usage
• Since the loan product doesn’t prompt any direct ROI from client’s end, it
would be better to pilot in more branches with the same feature
• Current awareness on hygiene related issue seems to be a factor in being
more concern about ensuring proper sanitation services
• Households having savings could be less riskier borrowers than those of not
having any savings

43. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
observation

44. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan

45. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan

46. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan

47. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan

48. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
Many rural poor and non-poor households do not
have access to “Better Sanitation”
*Better Sanitation: Hygienic
(Water seal), Adequate light,
Robust wall, Running water,
Double pit
PROBLEM STATEMENT

49. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
PROBLEM STATEMENT
Observations:
 Educational level low, Economical condition average
 Awareness level average, Media access medium (TV, Mobile, local channel etc)
Ultra poor Poor Non-poor
• Landless household
• Homeless household
• Day-labour household head
• Less than 10 decimal of
agricultural land
• No fixed source of income
• Disabled or 65+ years old
female-headed Household
• Up to 100 decimal of land
(agricultural and homestead)
• Sell manual labour for Living
• Household that do not fall
in any of the other
category

50. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
ROAD TO INSIGHT

51. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
INSIGHTS

52. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan “How might We”

53. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
OPPORTUNITY STATEMENTS
• How might we aware rural poor & non-poor people about
better sanitation for healthy and standard life so that they
will accept or appreciate sanitation loan offer if needed.
(Behavioral)
• How might we ensure sanitation loan offer more
attractive or popular to our clients so that they can take
loan for better sanitation. (Informational)

54. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
PROPOSED PACKAGES
Informational package
 Loan product info
 Latrine cost info
 Contact
 bkash use
Behavioral package
 Guideline
 Example of good practice
 Ranking
 Sticker (inside and outside)

55. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Sanitation Loan
MEDIA WE CAN USE
For behavioral package:
Pictorial card (folding)
Audio-visual promotional items
Sticker
A jingle for mobile
For informational package:
Staff Orientation (WASH/Microfinance)
Flash card or brochure
Digital poster for group meeting
Guideline

56. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
Concepts

57. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld

58. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld

59. facebook.com/BRACWorldwww.brac.net twitter.com/BRACWorld
observation