Every minute a child dies of a water-related disease
Women and children spend 140 million hours a day collecting water
1 in 9 people lack access to safe water
More people have a mobile phone than a toilet
For every $1 spent on water and sanitation there is a $4 economic return


Definition of WaterCredit: (n) WaterCredit by Water.org puts financial tools to work in the water and sanitation sector. It allows people in need to access small loans for water connections or toilets, empowering them to accelerate change in their own homes and communities - enabling a life of health and opportunity.

WaterCredit is a new way to apply smart thinking to the world’s water problem. It’s the first program to put microfinance tools to work in the water, sanitation and hygiene sector (what we call WASH).

WaterCredit puts the power of water directly into the hands of the people who need it. WaterCredit empowers the world’s poor with access to small loans for household water connections and toilets. WaterCredit is breaking the cycle of poverty and creating a cycle of opportunity – an opportunity to enhance one’s health, education and economic position.

Here’s how it works:

  • We partner with carefully selected microfinance institutions who provide loans to a person or family in need for water connections or toilets.
  • The loans through WaterCredit are affordable, making them easy to repay.
  • Once the loan is repaid, it can go to the next person who needs it. It is a pay-it-forward system that makes it possible to help more and more people in ways that will last.

Infographic showing cyclical effect of WaterCredit loans between microlender and community

WaterCredit is working. It’s transforming lives. It’s gaining momentum. As of June 2015, WaterCredit has empowered more than 2.6 million people in nine countries with access to safe water and sanitation. Once a high risk experiment, WaterCredit is now changing the face of the water crisis.

The Inspiration for WaterCredit

On a visit to India in 2003, Gary White, CEO & co-founder, met a woman who was paying a loan shark 125 percent interest to buy a toilet. She was living on two dollars a day and absorbing a crushing debt for sanitation. Gary realized that this woman – and many people like her – were paying outrageous rates, up to 20 percent of their income, to address their water and sanitation needs. This was the inspiration for WaterCredit.

If the poor were paying such outrageous rates for water and sanitation, they’d certainly be willing to pay a lot less. Not just willing but, with some help, able. Gary believed that if we could provide people with small loans at reasonable rates for water connections and toilets, we would create customers and participants in solving the water crisis. It meant there was hope for this woman, her family and her community to get sanitation without losing their economic livelihood.

Meet Vimala and Grace

Meet Vimala and Grace, two of the 2.6 million people reached by WaterCredit.

Portrait of Vimala

Before, Vimala and her family had to spend three hours each day carrying water from a communal source. Now, thanks to a WaterCredit loan, the family has easy access to safe water at home, creating more time and energy for a better life. Learn more about Vimala's story here.

Portrait of Grace

For Grace and her family in Kenya, a WaterCredit loan helped them install a rainwater catchment system and water tank. Grace envisioned the day when her young daughter would no longer have to walk to collect water. Now, with every rainy day, her hope turns into a beautiful reality. Watch Grace tell her story here.

WaterCredit Success

Line graph shows cumulative number of people reached by WaterCredit from FY05 through FY15 Q3. Total: 2.6 million people reached by WaterCredit. Fiscal year runs October - September $128 million capital disbursed; more than 600,000 loans distributed; more than 90% of all borrowers are women; $212 average loan size; 99% average repayment rate of WC loans; 49 active partners

WaterCredit continues to gain momentum year over year. This accelerated impact is evidence that our foundational investment is paying dividends. It’s proof of the true exponential promise of WaterCredit. And, the promise of WaterCredit is much greater than the safe water and sanitation it provides. Innovative solutions such as WaterCredit will not only help end the water crisis, but also transform lives by empowering girls to attend school, women to secure jobs, children to stay healthy and communities to gain prosperity.

WaterCredit borrowers typically have limited to no credit history or formal education, however with a remarkable 99 percent global repayment rate, WaterCredit is a safe, stable and life-saving investment.

WaterCredit Resources

Preview of WaterCredit Overview document

WaterCredit General Overview
(July 2015)

Water, Sanitation and Microfinance Toolkits developed by Water.org and MicroSave

WASH Microfinance: Market Assessments, Case Studies, White Papers

Information for Financial Institutions:

Water.org provides innovative, market-based solutions that change lives every day through safe water and sanitation.

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