Financing helps increase access to safe water and sanitation for people living in poverty. Here's the evidence.

Our evidence, research and data supports the use of financing to achieve universal access to safe water and sanitation. We are committed to sharing what we’ve learned, so we can all see a day where everyone, everywhere has access to safe water and a toilet.

Other helpful resources:

Document Type: White paper

Countries: India

Date: June 1, 2018

Creating access to credit for water and sanitation improvements: A case study of women’s self-help groups in Tiruchirappalli, India

This paper looks at the development of a water and sanitation loan fund deployed through a network of women’s self-help groups in Southern India. Results from this case study indicate that micro-finance principles can be successfully applied to the water and sanitation sector.

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Document Type: Executive summary

Countries: India

Date: March 1, 2019

Endline evaluation of WaterCredit project: Increasing health, dignity & opportunities with access to safe water and sanitation in India (executive summary)

An assessment of program in India. The assessment drew on two household surveys (baseline and endline), focus group discussions, key informant interviews, loan data and program documentation.

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Document Type: Learning brief

Date: Feb. 4, 2019

WaterCredit: Catalyzing access to safe drinking water and sanitation in Bangladesh

This is an evaluation of a multiyear program in Bangladesh.

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Document Type: Position paper

Date: April 19, 2017

Financing WASH: How to increase funds for the sector while reducing inequities

This position paper addresses three key issues that receive limited attention in the WASH sector discussions on finance:

  1. Lack of finance for strengthening the enabling environment
  2. Untapped use of micro and blended finance
  3. Inequities in allocation of finance in the sector
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Document Type: Executive summary

Countries: India

Date: Oct. 31, 2016

​Water and sanitation microfinance operations in India: An assessment of challenges and determinants of success

Findings from the Evaluation of the 2011-2015 Pepsi program in India.

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Document Type: Report

Countries: India

Date: July 5, 2021

Solving a global challenge from the bottom up: Water and sanitation microlending

Report outlining the need for WSS finance in India.

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Document Type: Report

Countries: Bangladesh

Date: Feb. 1, 2021

Engaging banks and financial institutions in Bangladesh for developing WaterCredit products

Business case study to highlight the business impacts of WaterCredit on Bangladesh’s banks, microfinance institutions and cooperatives, and informal financiers.

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Document Type: Learning brief

Countries: India

Date: Oct. 1, 2020

Improving access to safe water and sanitation through collaborative efforts and policy-level change

Details of the most significant outcomes related to Water.org’s system level impact work. A key objective was to assess the systems-level influence and impact of its efforts to create an enabling ecosystem for WSS financing that would make WSS capital more affordable and accessible.

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Document Type: Learning brief

Date: Aug. 12, 2020

Increasing resiliency in the face of climate change: How WSS systems and financing can adapt to meet the challenge

This two-pager highlights the global water risks, inequitable impacts, how transforming WSS systems can mitigate climate change, and how to finance climate-smart solutions.

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Document Type: Report

Date: April 13, 2022

Meta study of existing WSS Research: Thematic paper on WaterCredit as an accelerator

The WaterCredit as an Accelerator component of this meta-study investigated the extent of the internal and external evidence base to test if WaterCredit-financed WSS improvements lead to: sustainable WSS loan portfolios, improved access to WSS, and more sustainable access to improved WSS.

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