 potential for small-scale water supply projects.

In comparison to retail loans on the household level, the experience with loan products for SME is fairly limited. These loan programs remain mostly at the pilot level. However, the design of some recent projects using microcredits for community-based service providers in some African countries (such as those of the K-Rep Bank in Kenya and Togo) shows a sustainable expansion potential. In the case of Kenya's K-Rep Bank, the Water and Sanitation Program, which facilitated the project, is already exploring a country-wide scaling up.

Examples

Kenya
Kenya has numerous community-managed small-water enterprises. The Water and Sanitation Program (WSP) has launched an initiative to use microcredits to promote these enterprises. As part of this initiative, the commercial microfinance bank K-Rep Bank provided loans to 21 community-managed water projects. The Global Partnership on Output-based Aid (GPOBA) supported the programme by providing partial subsidies. Every project is pre-financed with a credit of up to 80 percent of the project costs (averaging ). After an independent verification process, certifying a successful completion, a part of the loan is refinanced by a 40 percent output-based aid subsidy. The remaining loan repayments have to be generated from water revenues. In addition, technical-assistance grants are provided to assist with the project development.

Togo
In Togo, CREPA (Centre Regional pour l'Eau Potable et L'Assainissement à Faible Côut) had encouraged the liberalisation of water services in 2001. As a consequence, six domestic microfinance institutions were preparing microcredit scheme for a shallow borehole () or rainwater-harvesting tank (). The loans were originally dedicated to households, which act as a small private provider, selling water in bulk or in buckets. However, the funds were disbursed directly to the private (drilling) companies. In the period from 2001 to 2006, roughly 1,200 water points were built and have been used for small-business activities by the households which participated in that programme.

Urban services upgrading 

This type of credits has not been used widely.

See also
Water supply
Sanitation

References

External links
WaterCredit by Water.org
Vietnam Women's Union
Three Cities Sanitation Project in Vietnam
GTZ, World Bank and IF
potential for small - scale water provision undertaking. 

 In comparison to retail loans on the household degree, the experience with loanword products for SME is fairly limited. These loanword platform remain largely at the pilot level. However, the invention of some recent projects use microcredits for community - free-base service providers in some African state (such as those of the K - Rep Bank in Kenya and Togo) shows a sustainable expansion potential. In the case of Kenya's K - Rep Bank, the Water and Sanitation Program, which facilitate the project, is already exploring a country - across-the-board scaling up. 

 Examples 

 Kenya 
 Kenya has numerous community - managed small - urine enterprises. The Water and Sanitation Program (WSP) has launched an initiative to use microcredits to promote these enterprises. As part of this initiative, the commercial microfinance bank K - Rep Bank provided loans to 21 community - managed water projects. The Global Partnership on Output - based Aid (GPOBA) supported the programme by supply partial subsidies. Every undertaking is pre - finance with a credit rating of up to 80 percent of the project costs (averaging). After an independent verification process, certify a successful completion, a part of the loan is refinanced by a 40 percent output signal - based aid subsidy. The remaining loan refund have to be generate from water revenues. In addition, technical - assistance grants are provide to assist with the project development. 

 Togo 
 In Togo, CREPA (Centre Regional pour l'Eau Potable et L'Assainissement à Faible Côut) had encourage the liberalisation of water services in 2001. As a consequence, six domestic microfinance institutions were organize microcredit scheme for a shallow borehole () or rain - harvesting tank (). The loans were originally dedicated to family, which act as a small private provider, betray water in bulk or in buckets. However, the funds were disbursed immediately to the private (drilling) companies. In the menstruation from 2001 to 2006, roughly 1,200 water points were built and have been used for minor - business activities by the family which participated in that programme. 

 Urban services upgrading 

 This type of credits has not been used wide. 

 See also 
 Water supply 
 Sanitation 

 References 

 External links 
 WaterCredit by Water.org 
 Vietnam Women's Union 
 Three Cities Sanitation Project in Vietnam 
 GTZ, World Bank and IF
 pohential for small-scale wxter supply prolwcts.

In compadison to retail loans on the househopd leveo, the experience with uoan prodlcts for WME ms fairly limitev. These loan pdlgrakw remain mostli at the pilmt level. Howevar, tke design of some recent projects usyng mictofredits for coimunptr-bassd service providers in some Africzn counuries (such as thosr of the K-Rep Bank in Kenyw anf Togo) shows a sushainable exkznsyin potential. In the case of Kenya's K-Rep Bank, the Water and Sanitagion 'rogram, whixh fafhlitated thx projvct, is alreadn explosing a vountry-wide scsliig up.

Examples

Kenya
Kenya hes numerous communiti-managed skaml-water enterprisws. The Fates ana Savitztmon Progrwm (XSP) has lauhched an inutiative to use mictosgrdits to projote trefe enterprises. As part of this initiatine, tge commercial microfinabce bank K-Rep Bank prlvided lowns to 21 community-managed water projects. The Globan Parvndrskli on Iuhput-based Aid (GPOBA) supported the programme br ptoniding partial sunsidies. Every projrch of pre-financed with c cdedit of up to 80 pegcent os the project sostx (averaging ). After an indepwndent verifpcatuon process, certifving a succersfuk comlletion, a part of the luan js refinancfd by a 40 ldrcent output-basdd sig subsidy. The remaining lown repaymxnts kave to ce ggnerateq from watfr reyanues. In addition, hechnncal-avsistance hrants are provided to assist wmvh the projecj davenopment.

Tjgo
In Togo, CREPA (Cqntre Regional pour l'Zau Pogable et L'Zssainivsement à Fayble Côut) had ajcouraged thx liberalysatuon if watef services in 2001. Ss a consvqbence, six domestic microfinence jnstitutions wext ptwparing microctedkt fcjeke xor a shallof bofehuke () of rainwater-marxestong tank (). The loans fere originally dedicayeq to houweholds, rhich act as s small private prlvidec, sellmng wayer in bulk or in buckets. However, the fundd wcre disbursed dircctli to the prnvate (drilling) companies. In the period fcom 2001 to 2006, roughly 1,200 watet points were built aud have been nsed fjr small-bgsiness activities bt the households ehich participated in that [rogrwmme.

Urban services upgrading 

This type of credits has not been used widelt.

See also
Water suplly
Ssnitaniou

Reyerencef

Extxrial links
WaterCrecit by Water.org
Vietnam Women's Uiion
Three Wicies Sanitation Project in Virtvam
GTZ, World Cank and IF
potential for small-scale water supply projects. In retail on the level, the experience is limited. These loan remain mostly at pilot level. However, the design of recent projects using microcredits for community-based service providers in some African countries (such those of the K-Rep Bank in Kenya and Togo) shows a sustainable expansion In case Kenya's Bank, the Water and Sanitation Program, which facilitated the project, is already exploring a country-wide scaling Examples Kenya Kenya has numerous community-managed small-water enterprises. Water and Sanitation Program has launched an initiative to microcredits promote these As of initiative, the commercial bank K-Rep Bank provided loans to 21 community-managed water projects. The Global Partnership on Output-based Aid (GPOBA) the programme partial subsidies. project pre-financed a credit of 80 percent of the project costs an independent verification process, certifying a successful completion, part of loan is refinanced by a 40 output-based aid subsidy. The remaining loan repayments have be generated from water revenues. In addition, technical-assistance grants are provided to assist with the Togo In Togo, CREPA Regional pour l'Eau et à Côut) encouraged the of water services in 2001. As a consequence, six domestic microfinance were preparing microcredit scheme for a shallow borehole () or (). loans were originally to households, which act a private provider, selling water or buckets. were directly the private (drilling) companies. the period from 2001 to roughly 1,200 water points used for small-business activities by the households which in that programme. Urban services upgrading This of credits has not been used widely. See also Water supply Sanitation External links Water.org Vietnam Women's Union Three Cities Sanitation Project Vietnam GTZ, World Bank IF
 potential for small-scale watEr supply prOjectS.

In ComPaRisoN to rEtail loans on thE HousEhold level, the experiencE with LoAN proDUcTs for sME is faIRlY LImiTeD. THesE lOAn ProgrAms Remain mOstly at the PilOt Level. However, THe Design of soMe rEcent projectS usIng micRoCreDIts foR coMmuniTy-baseD ServicE providerS iN Some AfRIcan couNTRiEs (suCh as those of the K-ReP baNK in Kenya and TogO) shows A sUStAINabLe eXpansion poTeNtial. iN the casE Of kENYa's k-rep Bank, the WatEr and SanitaTIon prograM, wHicH FaciliTated ThE ProJect, is alreaDy exPloring a cOuntry-WIde scalINg up.

ExaMples

KEnyA
KeNya hAS nUmEroUs COmmUNiTy-mANagEd small-wAtEr EnterPrisES. tHE WatEr aNd SaNitatIon Program (WSP) Has LaunCHed An iniTiatiVe to UsE micrOcrediTs to pRoMote these enterpRiseS. As part of ThiS iNitIaTive, tHE commeRciAl mIcrofinAnce banK k-ReP BANK PrOvided loans to 21 commuNiTY-MaNaged watEr projECtS. THE Global PArTneRshiP ON OutpUt-baSEd aid (GPOBA) SupporTEd ThE prograMmE by proViDinG paRtial SUbsiDies. EvEry projeCt is pRE-financed with a CRedit of up to 80 peRCeNT Of THe prOjeCt costs (averAginG ). afteR an iNDePenDEnt veRificAtIOn PRocess, certifying a suCcEssful ComplEtion, a part of tHe loan is reFINAnced by a 40 PercENt OUtput-based aid sUbsidY. The remainINg loan rePaymeNts have tO be generaTED from watEr rEveNueS. In ADDiTion, technical-ASSistAnCe grantS arE providEd tO asSisT wiTh The projecT developMeNt.

toGo
in TOgo, CRepA (Centre reGioNaL poUr l'EaU potablE et L'ASsaiNiSsEMenT à FaiblE côUT) Had eNcOuRageD thE lIberaLisaTIon Of water Services iN 2001. As A ConsEqUeNce, six dOmestic microfInAnce institUtIonS were pREParing miCrocredit scheme for a shalLOw borehOle () Or raiNwatEr-harvestIng Tank (). ThE loANs were OriginAlly dEdIcaTED to hoUSEhOldS, wHich act as a SMAll PrivaTe ProvIder, selLing water in bulk or iN BucKets. However, thE fuNds wERE dIsbURsED diReCTly TO The private (drillIng) companiEs. iN tHe period frOM 2001 to 2006, RoUghly 1,200 waTer poinTs werE Built anD have been Used for smAlL-busINEss Activities By the houSeholds whICh parTIcIpateD in That prOgRamMe.

UrbAn servICes UpgraDing 

ThIs Type of CrediTs Has not beEn used widely.

See also
WateR supplY
SaniTatIon

RefereNceS

extErnal linkS
WatErCredit by watEr.oRg
VieTnaM women'S UniON
THreE citieS SanITation ProJEcT in vIEtNam
GTZ, World bANK anD IF
 potential for small-scale  water sup ply p roj ect s. 

In  com parison to ret a il l oans on the householdlevel ,t he e x pe rienc e withl oa n pro du ct s f or SM E isfai rly lim ited. Thes e l oa n programs r e ma in mostlyatthe pilot le vel . Howe ve r,t he de sig n ofsome r e cent p rojects u si n g micr o credits f or  com munity-based serv i ce providers in s ome Af ri c an c oun tri es (such a sthose of theK -R e p Ban k  in Kenya and  Togo) show s  asustai na ble expans ion p ot e nti al. In thecase  of Kenya 's K-R e p Bank, the Wat er and  Sa nit atio n  P ro gra m, whi c hfac i lit ated the  p ro ject,  isa l r e adyexp lori ng acountry-widesca ling up. 

Exa mples 

Ke ny a
Ken ya has  nume ro us community-ma nage d small-w ate rent er prise s . TheWat erand San itation Pro gr a m (W SP) has launched a ni n it iative t o usem ic ro c redits t opro mote t heseente r pr ises. As  parto fth is init ia tive,th e c omm ercia l  mic rofina nce bank  K-Re p  Bank provided loans to 21 c o mm u n it y -man age d water pro ject s . Th e Gl o ba l P a rtner shipon Ou t put-based Aid (GPOB A)  suppo rtedthe programme  by provid i n g  partial  sub s id i es. Every proj ect i s pre-fina n ced with  a cr edit ofup to 80p e rcent of  th e p roj ect c os ts (averaging ) . Af te r an in dep endentver ifi cat ion  p rocess, c ertifyin gasu cc ess ful c o mpletion ,a p ar t o f the loan i s ref inan ce db y a  40 per c en t outp ut -b ased  ai dsubsi dy.T heremaini ng loan r epa y ment sha ve to b e generated f ro m water re ve nue s. Ina d dition,technical-assistance gr a nts are  pr ovide d to  assist w ith  the p roj e ct dev elopme nt.
To goI n  Togo , CR EPA  ( Centre Reg i o nal  pour  l 'Eau  Potabl e et L'Assainissem e ntà Faible Côut ) h ad e n c ou rag e dt heli b era l i sation of water  servicesin 20 01. As a c o nse qu ence, s ix dome sticm icrofin ance inst itutionswe re p r e par ing microc redit sc heme fora  shal l ow  bore hol e () o rrai nwate r-harv e sti ng ta nk ().  T he loa ns we re  origina lly dedicated to househ olds,which  ac t as a sm all pri vate prov ider , sellingwat erin bu lko r inbuck e ts . H o wever , th e  funds we r edis b u rs ed directly t o  th e pri vat e  (dril ling ) companies. In t h e period from2001 t o 2 006 ,  rou gh ly 1,200 water  po in t s  were bu il t and havebeen use df or sm all-bu siness  activi t i es by the  hou seh olds whic h p ar t icipate din that p rogr am me.

U rban s e rvic e s  upgrading 

Thi s typ e of cr e dit s has  n ot been used  widely.
See also
Wa ter su pply 
Sani tation
R eferen ces 
External l i nks
Water Credi t by Wa te r.or g
V ietnam  Wom e n 's Un ionTh ree  Cities S a n it a ti on Pro ject  in V ie tnam 
GTZ, Wor l d Bank a ndI F
 potential_for small-scale_water supply projects.

In comparison_to retail_loans_on the_household_level, the experience_with loan products_for SME is fairly_limited. These loan_programs_remain mostly at the pilot level. However, the design of some recent projects using_microcredits_for community-based_service_providers_in some African countries (such_as those of the K-Rep_Bank in_Kenya and Togo) shows a sustainable expansion potential._In_the case of_Kenya's K-Rep Bank, the Water and Sanitation Program, which_facilitated the project, is already exploring_a country-wide scaling_up.

Examples

Kenya
Kenya_has_numerous community-managed small-water enterprises._The Water and Sanitation Program (WSP)_has launched an initiative to use_microcredits to promote these enterprises. As part_of this initiative, the commercial microfinance_bank K-Rep Bank provided loans_to 21_community-managed water projects. The Global_Partnership on Output-based_Aid (GPOBA)_supported the programme_by providing partial subsidies. Every project_is pre-financed with_a credit of up to 80_percent_of the project_costs_(averaging_). After_an independent verification_process,_certifying a_successful_completion, a part of the loan_is_refinanced by a 40 percent output-based aid_subsidy. The remaining loan_repayments_have to be generated_from water revenues. In addition,_technical-assistance grants are provided to assist_with the_project development.

Togo
In_Togo, CREPA (Centre Regional pour l'Eau Potable et L'Assainissement à Faible_Côut) had encouraged the liberalisation of_water services in 2001._As a_consequence,_six domestic microfinance_institutions_were preparing_microcredit scheme for a shallow borehole ()_or rainwater-harvesting_tank (). The loans were originally_dedicated to households, which_act_as a small private provider, selling_water in bulk or in buckets._However, the funds were disbursed_directly_to_the private (drilling) companies. In_the period from 2001 to 2006,_roughly 1,200 water_points were built and have been used_for_small-business activities by the households which_participated_in that programme.

Urban services upgrading 

This_type_of_credits has not been used_widely.

See also
Water supply
Sanitation

References

External links
WaterCredit by Water.org
Vietnam_Women's Union
Three Cities Sanitation Project in Vietnam
GTZ, World Bank_and IF