PATH Sanitation Financing For Households and Latrine Businesses
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1 PATH Sanitation Financing For Households and Latrine Businesses Where do we go from here? Tim Elliott Senior Business Officer June 19, 2012 Photo ide
2 Sanitation Financing Overview 1. Project Goals 2. Organizations Involved 3. Pilot Overview 4. The Easy Latrine Product 5. Shelter Options 6. Operational Model 7. Loan Details Dtil 8. Field Personnel 9. Current Status Page 2
3 Project Goals 1. Evaluate household demand for sanitation loans 2. Research and design sanitation loan products that balance the needs of MFIs and consumers 3. Develop efficient operational model connecting households, latrine businesses, and MFIs 4. Evaluate differences between MFI models (community banking vs. branch) and two different provinces 5. Provide financial and technical support to the latrine business to increase production capacity and general growth 6. Provide financial and technical support to the MFIs to build systems for the sanitation loan products 7. Measure the loan performance and financial viability of the project for the MFI Page 3
4 Partners Organizations Involved DONORS WSP (The Water and Sanitation Program of the World Bank), Bill & Melinda Gates Foundation and The Stone Family Foundation Provide funds and steering guidance Track pogess progress Analysis and disseminate results ide Prime implementer for 3 year sanitation market development project 2 going deep provinces (Kandal, Svay Rieng) and 5 new provinces Train latrine businesseson construction, businessmanagement management, marketing andsales Coordinate between all stakeholders including government Collect and share data with all stakeholders Document results and lessons Report to donor PATH Technical advisor for financing component of going deep provinces Research and develop financing strategy plan for future scale up Coordinate with ide and MFI partners Document results and lessons VISIONFUND and KREDIT Participate in 1 year pilot project in Kandal and Prey Veng Process household and business loan requests Service loans Coordinate with ide and PATH Collect and share data with ihide and PATH Page 4
5 Pilot Overview Product Manufacturer MFI Time Location Household Loans Business Loans Easy Latrine and approved variations Independent latrine businesses (4 per province) VisionFund and Kredit Nine month pilot activity beginning in July 2012 Kandal (VF) and Prey Veng (Kredit) 10,000 latrine loans total 4 per province Easy Latrine ($38 excluding installation ti and shelter) hlt Page 5
6 The Easy Latrine Product 1. Improved sanitation for low income families, while promoting sanitation enterprise development throughout rural Cambodia 2. Consists of a squat pan, concrete slab, precastconcrete concrete catchment box, PVC pipe, and offset storage pit lined with concrete rings (currently only ground parts) 3. Households can self install or hire a local mason for $5 $10 4. Can be adapted for flood prone or high water level areas 5. Multiple award winning design by Jeff Chapin, of the design firm IDEO in collaboration with ide, Rainwater Cambodia, Lien Aid, and the Ministry of Rural Development Page 6
7 Shelter Options No shelter (at (tthis time) Organic Wall Shelter Zinc Wall Shelter Concrete Wall Shelter Household may not be ready to make a shelter decision or may not qualify for a larger loan size to include the shelter. Household would purchase ground parts and delay dl installation and use. Household may opt to hire someone or construct themselves to build a natural material shelter. While this is the most affordable, it is rarely done with a pour flush lti latrine. This option is common in CLTS villages and is often associated with drypit latrines. A more affordable option starting around $100 but less desirable by households compared to concrete shelters. Considered the best shelter option and start around $200. Can vary in size, number of rooms, and features like wash basins. Page 7
8 Operational Model 1. Latrine businesses manufacture latrines with support from ide 2. Latrine business sales agents sell latrines directly to villages through group meetings with support from ide 3. MFI field staff assess loans immediately after meeting 4. MFI field manager does spot check or onsite inspection depending on loan size to make approval decision 5. Latrine businesses deliver ground parts of latrines to households 1 3 business days after loans are approved 6. MFI pays latrine businesses for value of latrine ground parts MFI disburses Households self loan funds for install ground shelter portion parts or hire a to household if mason to install shelter option was included in loan ground parts and/or construct the shelter MFI services loans each month and converts latrine customers to other MFI loan products Latrine businesses service latrines as needed Page 8
9 Loan Details Overall Interest Rate Principal Size Repayment Period Repayment Mthd Method Collateral Designed to be more flexible, varied and larger than the water filter loans. 2.8% 8%per month or less if loan sizes are large enough to qualify for lower rates. $37.50 $350 depending on customer s repayment capacity. Households can choose from thin ring, thick ring and with/without shelter funds months depending on size of loan and customer preferences. Choice of declining balance and balloon. Most households prefer declining bl balance. Community bank loans will use group loans with joint liability. Branch based loans will likely be individual loans. Household Households in Kandal will be required dto contribute tib t 10 20% of lti latrine Contributions shelter purchase funds. Disbursement Done in two pieces ground parts to the latrine business and shelter funds to the household. Page 9
10 Field Personnel (per province) MFI Partner ide, PATH & Latrine Businesses Provincial Manager Responsible for all operations in province (Part time with pilot) District Managers Responsible for all operations within their districts (Part time with pilot) Credit Officers (COs) Responsible for servicing all customer loans (Role rotates between many COs, part time with pilot) Village Level Organizers Responsible for organizing village meetings and serve as a local representative if (Part time with pilot if available) Financial Advisor (ide Staff) Responsible for all coordination between MFI, Lti Latrine Businesses, and Sl Sales Agents (1 full time with pilot) Business Development Coordinator (ide Staff) Responsible for training Latrine Businesses on construction, business management, marketing, and sales (1 2, full time with pilot) Latrine Businesses (Independent) Responsible for managing their business including constructing and delivering latrines (4 5 part time with pilot) Regional Staff (ide Staff) Sales Agents (Independent) Responsible for selling latrines to customers (2 3 per latrine business, 8 15 total, part time with pilot) Responsible for regional management and technical and logistics issues (2 part time with pilot) Technical Advisors (PATH Staff) Responsible for field oversight and technical advisory (1 part time with pilot) Page 10
11 Current Status Kandal Pilot July kickoff a. 3 latrine business have completed training, 1 additional to be added b. 9 sales agents have completed training c. Initial schedules for sales meetings developed for the pairing of MFI field staff and latrine business sales agents d. Latrine businesses have been assessed for loans by MFI e. Latrine businesses production capacity monitoring and planning is on going f. Monthly reports are being finalized g. Shelter options and building material lists being finalized Prey Veng Pilot August Kickoff a. 1 latrine business completed training, 3 more need to be trained b. 3 sales agents are currently receiving ii training i c. Details of pilot in process with MFI d. Pilot will take a more gradual start up process due to newness of project for MFI Page 11
12 Page PATH/Mike 12 Wang Thank You
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