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7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 1/12
SANITATION REVOLVING
Philippines, J anuary, 2013
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 2/12
• Law on Environmental Protection (revised in
• Decree No. 67/2003/ND-CP; Decree-
• Decree No. 59/2007 (solid waste), No..supply);
. - - TTg by the PM on orientation for urban and
development(2009).•
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 3/12
EFFORTS BY THE GOVERNMENT
• Launched National Target
Program I (1998-2005), NTP II
(2006-2011), NTP III (2012-2015)
• Launched National Rural Water
Supply and Sanitation Strategy
NRWSS in 2001:
NTPgoals
By 2015/ Rural areas
*
NRWSSgoals
By 2020
Rural area Urban area
supply
suitable clean water;
* 45% use clean water atCVN-02BYT
atersupply
Prov e100% of ruralpopulation
100% o maorcities &provinceshave suitable wastewater treatment
(60liters/day/person);
* 100% of kindergartens andschools, health station have
w t ceanwater;
ac ty;
Sanitation &
* 70%households
* 80 – 90% of o ulation have
adequate clean waterSanitation &
Environment
* 65% of rural households havehygienic latrines;
* 100% of kinder artens and
Environment
haveadequatelatrines;
*
access to wastewater treatmentservice.
schools, health station have
adequate latrines.
households
practicegood
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 4/12
CONTEXT OF SANITATION REVOLING
FUND
• Poor system of water supply, sanitation and environmentin VN, especially in rural areas: Among 755 cities and
towns grade 1-5, big cities: Ha Noi, HCMC, Da Nang, HaLong… have concentrated wastewater treatment facilities,treatin ~10% 250.000m3/da 30% of IZ wastewater istreated; 90% of households have suitable latrines (98% in
cities); 75% of households in provinces and cities do not…
• Needed numbers of investment capital: for NTP3: $1.3billion; for urban area: $4.3-16.2 billion (up to technology
to be used)
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 5/12
Sanitation Revolving Fund:
Institutional structure insanitation status of households in both urban and
urban sanitationmanagement
rural areas, especially for thepoor.
Provincial People’s • Reduce environmental
pollution;
Committee
• Reduce water-borne diseases;
• Increase awareness on the
Sewerage and Drainage company
Urban Environmental
company
n age eween san a on,hygiene and health; practicesanitation at household level;Households responsible
• Increase community
responsibility in the
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 6/12
REVOLVING FUND OPERATION
Sanitation Revolving FundThe monthl collectedregulate conditions o loan
access & identify the eligibleborrowers.
principal and interest is the
revolving amount to be
provided to new borrowers.
1
24
supervise the loan
repayment and provide
education materials to
loans; build/improve their
sanitary facilit ies and pay
monthly interest.3
borrowers.
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 7/12
STRUCTURE OF SANITATION REVOLVING
FUND
Sanitation project PMU
Sanitation Revolving Fund
Local Women UnionProject componen
t
Project componen
t
Fund Provincial Management Unit
of fund, supervisegroup activities,provide educationcampaigns; report
Management Unit at ward/commune
level
Activ it ies : managegroup, identifyeligible borrowers,
Credit to rovnc a .
Credit Credit run meetngs,manage loanrepayment, collectinterest. 12-20member
s
12-20member
s
12-20member
s
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 8/12
KEY POINTS
• OPERATION
PRINCIPLES• ELIGIBILITY TO ACCESS
LOAN
• LOAN COST
- Ensure rightloan
- Be member of Credit group;having long-term/ permanent
- Loan amount:up to 10 millionVND (480
,line with project
goals/objectives
residence permit;
- Be poor/marginal poor
household;
USD);
- Duration: 12-20
months;-
repayment:voluntary,democrac
- Be in need of money forbuilding/improving sanitaryworks; + be introduced by local
- Interest rate:0.5-0.65% (half of commercial
publicity, andtransparency.
Women Union or localauthority;
- Be free of outstanding loan/
rate).- Payment: after 1
month since the
guaranteed for previous debt;
- Be able to pay back the loan;- Obe the rou rinci les;
borrowing date.
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 9/12
SOME COMMENTS
• Increased number of sanitation coverage:approx1.5millionhouseholdsbenefited.
• Sustainableaccesstosanitationservice.- Increasedawarenessfor local people.ss
- Strengthenedcapacity for WomenUnion.
• Highrepaymentrate: 99.3-99.6%
• Demand of hi her amount of loan
• Less use of loan for sewer connections;
•
Shortcomin
gs .
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 10/12
•
compulsory component in new water and
• Better allocation of resources to the Fund
• Creation of some special subsidies for
ex reme y poor ouse o s o access othe Fund.
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 11/12
Improvement of sanitaryfacilities
Training courses
Latrine
Gutter Sanitary equipment
7/29/2019 Microcredit for Sanitation: The Case of Sanitation Revolving Fund in Viet Nam by Hang Tran Thi Thu
http://slidepdf.com/reader/full/microcredit-for-sanitation-the-case-of-sanitation-revolving-fund-in-viet-nam 12/12