A great presentation by Anjali Sarker of Toilet Plus on their strategy and reasoning for introducing toilets that work based on financial technical sustainable and social criteria. Toilet Plus is in the early phase of it plan.
” DEFECATION! DISEASE! DEATH! In Bangladesh, each year 69000 children die from diarrhea largely because of unhygienic sanitation. 68% of the villagers use unhygienic pit latrines or defecate openly. Though both govt and NGOs are trying to solve this problem, their efforts largely fail because poor villagers- 1)simply lack motivation to change their sanitation behavior or 2)can’t afford the shift to safe sanitation.
TOILET+ /Toilet Plus introduced as A HYGIENIC AND AFFORDABLE SANITATION SOLUTION. It’s a urine diverting dry toilet and is structurally similar to Ecosan. It can recycle 100% waste to produce organic fertilizer and is flood resistant. Toilet+ ($110 value) is made affordable to the villagers through microcredit from partner MFI.
Toilet+ OFFER COLLECTIVE PROFIT & RESPONSIBILITY. Households form cooperatives,apply for microcredit, and become collectively responsible to repay the total monthly installments to MFI. Member households get toilets from Toilet+ and Toilet+ get paid by MFI. Members sell waste (human and other bio-waste) to Toilet+ and Toilet+ convert waste into organic fertilizer for selling to agro firms. By selling waste, a cooperative gets $70 a month (75% of the collective installments) and each household pays only $1.3 out of pocket to repay the collective monthly installments. Members create strong peer pressure on one another to use toilet so that they can repay collective loan easily.
THE MODEL TURNS TO A SELF-SCALABLE AND SELF-SUSTAINABLE SANITATION CHAIN. Cooperatives will continue to earn revenue from sale of waste after repaying the microcredit in 2.25 years. Understanding the high profitability of financing toilets, enthusiastic cooperative members will start lending non-users to purchase Toilet+ just like MFIs. Users will use peer pressure to make other non-users purchase and use Toilet+ with cooperative financing. Thus cooperative will grow and members will earn more revenue from sale of waste from their financed toilets.
Toilet+ IGNITES THE SPARK, COMMUNITY MAKES IT A REVOLUTION. 1)The more a family uses Toilet+, the more it earns 2)Many Cooperatives will finance others’ toilets as a profitable business and thus expand the size of the cooperative. 3)Fewer fatal diseases, cleaner environment, and more income will improve the living standard of community permanently. “
source for quoted content Dell Social Innovation Challenge- Toilets (changed to third person)
Toilet Plus site:
- A Business Model That Will Blow Your Mind & 10 Ways You Can Improve Yours (fireflycoaching.com)
- Canadian-made toilet aims to lay waste to sanitation diseases (ctvnews.ca)
- Toilet Apartheid (counterpunch.org)
- Renewed research call for low-cost sanitation technologies in Bangladesh [deadline18 Feb 2013] (sanitationupdates.wordpress.com)
- UN deputy chief urges action on water rights (sfgate.com)
- ICDDRB – Update on WASH and hygiene practices (sanitationupdates.wordpress.com)
- April Rinne, Where Is Microfinance Most Powerfully Linked with Sustainable Agriculture, Renewable Energy, Water and Sanitation to End Poverty and Mitigate Climate Change? (slideshare.net)
- Farmers in Nepal Use Urine to Boost Crop Yields (scientificamerican.com)
Published jointly by:
“This report identifies ways in which governments and External Support Agencies can increase access to finance for small-scale (SSF) WATSAN providers, by channelling public funding to support the market and leverage private sector financing. Sophie discusses her research findings and gives example of successful small-scale finance initiatives across the globe.”
Author /Contributors / Acknowledgements
“This report has been written by Sophie Trémolet (Trémolet Consulting Limited, London). The report incorporates contributions and comments from Alan Hall (Chair of the EUWI-FWG) and James Winpenny (Wychwood Economic Consulting Ltd).”
“The paper was reviewed by Meera Mehta (Professor Emeritus at CEPT University, Ahmedabad, India), April Rinne (Director of the WaterCredit programme at Water.org) and members of the FWG, who also responded to a survey of European Union (EU) donors on their current practices relative to small-scale finance.”
“Background research and drafting support were contributed by Sophie Ayling, Aarti Daryanani and Candice Lanoix. Much of the original material was gathered in the context of research in India and Tanzania funded by DFID through the SHARE research consortium as well as WaterAid Tanzania. The case studies were carried out jointly by Sophie Trémolet and members of the MicroSave team, including T.V.S. Ravi Kumar and Ravi Kant in India and George Muruka and George Mugweru in Kenya and Tanzania.”
(extracted from the report)
What more could external support agencies do?
Which concerted actions could be initiated?
1.1 Report objectives
1.2 Background to the report
1.4 Report structure
2. Understanding the market
2.1 Who are small-scale service providers in the WATSAN sector?
2.2 What are their financing needs?
3. What type of repayable financing is available to SSF recipients?
3.1 Microfinance for households
3.2 Mesofinance for WATSAN service providers
4. How can public funds be used to increase finance to SSF recipients?
4.1 Should public sector support be provided to leverage SSF?
4.2 What experience do EU donors currently have in this area?
5. Potential financial instruments to support SSF
5.1 Grant funding
5.2 Concessional loans
5.4 Equity investments
6. The ‘channelling’ challenge: getting funds from A to B
6.1 The ‘straight line approach’ (through domestic financial institutions)
6.2 The ‘Apex approach’
6.3 The ‘funnel approach’
Annex A – Overview of the small-scale finance market in Kenya
Annex B – Glossary: financial terms relative to small-scale finance
Annex C – Useful resources
Table 1. Types of small-scale WATSAN providers and their financing needs
Table 2. Microcredit for WATSAN: the case for and against
Table 3. Role of public funding to support SSF services to WATSAN
Figure 1. The overall ‘financing equation’ for WATSAN providers
Figure 2. Access to finance: the uncovered segments
Figure 3. Alternative channels to get funds from A to B
- 72 pages PDF
- pub date “April 2012″
It is a great report and even makes attempts to address both pros and cons. As an example for For “governments and external support agencies” the following list for WATSAN financing :
“Efficient use of funds and high leverage ratios (i.e. the amount of private funding leveraged for each USD of public funding provided): this may, therefore, help free up scarce public resources to target the poorest”
“Pro-poor targeting: microfinance (microcredit) may not lift affordability constraints for the poorest: it may only be applicable to a segment of the population (which would vary in size depending on the country) and is not the only means of increasing access”
This shall be a great document to start /extend the conversation on SSF with key NGOs, Government agencies, and other Financial type organizations. (we look forward to the conference that does just that)
- Sophie Tremolet on Small Scale Finance for Sanitation and Water, July 2012
- SHARE – Small-scale finance for water and sanitation (sanitationupdates.wordpress.com)
- WSP – What Does It Take to Scale Up Rural Sanitation? (sanitationupdates.wordpress.com)
- Five microcredit programs innovate to break the cycle of poverty (csmonitor.com)
- ETHIOPIA: Safe water – a glass half full (irinnews.org)
- Microfinance for Water and Sanitation: An Example of Client-Focused Innovation (microfinance.cgap.org)
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Blogs I Follow
- WASH & Nutrition
- WASH Finance
- WashWatch Blog
- Ross Bailey's Blog
- A Page from Tom Paulson
- Source News Service Feedback's Blog
- Sustainable Sanitation in Emergency & Reconstruction
- Peter J Bury 4 IRC
- Medindo Água
- Insourced- Dr. Kate Tulenko
- The Political Economy of Water Project
- Knowledge streams
- Environmental Engineering Engenharia do Ambiente
- Global Health Dispatch