1.2 تفاصيل الاتصال بالأشخاص الرئيسيين لمصدر المعلومات والمؤسسات المعنية بتقييم وتوثيق النهج

اسم المشروع الذي سهّل توثيق/تقييم النهج (إذا كان ذلك على صلة)

Pilot Program for Climate Resilience, Tajikistan (WB / PPCR)

اسم المؤسسة (المؤسسات) التي سهلت توثيق/تقييم النهج (إذا كان ذلك على صلة)

Central Asian Countries Initiative for Sustainable Land Management - Multicountry Capacity Building (CACILM - MCB) - قرغيزستان

1.3 الشروط المتعلقة باستخدام البيانات الموثقة من خلال WOCAT

متى تم تجميع البيانات (ميدانيا)؟:

2010

يوافق جامع المعلومات والشخص (لاشخاص) الرئيسي لمصدر المعلومات على الشروط المتعلقة باستخدام البيانات الموثقة من خلال WOCAT:

نعم

1.4 المراجع الخاصة باستبيان(استبيانات) تقنيات الإدارة المستدامة للأراضي

2.1 وصف موجز للنهج

Provision of small scale loans for private households to ensure access to thermal insulation (in the frame of CACILM).

2.2 وصف تفصيلي للنهج

وصف تفصيلي للنهج:

Aims / objectives: In GBAO as in most parts of Tajikistan, natural resources such as firewood from riparian forests and teresken shrubs, remain the main source of fuel for heating and cooking. Due to poor insulation of local houses, and inefficient cooking stoves, much fuel is burned. The aim is to ensure access to energy efficient technologies through the provision of a micro loan 'Warm comfort' is one of the ways to improve house thermal insulation, reduce fire wood consumption, improve the living standards of residents and reduce pressure on the environment.

Methods: On the basis of financial and technical documentation prepared by field officers and clients MLO Madina made the decision to allocate up to US$500, (2.5% interest rate to be reimbursed within 12 months) to the project. The thermal insulation loan is given in kind and not in cash. The client receives all necessary materials and services for the value it has to reimburse in accordance with the micro loan contract and individual repayment schedule.

Stages of implementation: The process of a micro loan for thermal insulation consists of the following steps: 1) Meeting with the rural population and interviews; 2) information event on energy efficient products and micro loan; 3) Financial analysis to explain micro loans, procedures, household income and expenses analysis; 4) Technical analysis of potential houses to specify types of material needed, type of work, prepare outline of the house; 5) Decision by the MLO Committee to allocate loan; 6) Micro loan contract and work plan; 7) Preparation of thermal insulation works; 8) Implementation of thermal insulation works; 9) Reimbursement of micro loan

Role of stakeholders: The role of each participating stakeholder is indispensable to ensure a smooth flow for the whole process. The funding organisation assists the micro loan organisation with increasing its portfolio and provide loans for thermal insulation. The micro loan organisation develops the micro loan product for thermal insulation, it is responsible for monitoring and it is also part of the committee, which decides to allocate loans. Micro loan field officers in the villages provide financial information on households, which serves as basis for the committee to make the decision. They also regularly monitor the loan reimbursement. Agreement is established with suppliers of quality doors and windows, as well as suppliers of insulation materials such as cement, reflective foil, etc. to have a stable supply of required products. Qualified construction workers trained on thermal insulation install quality doors and windows, improve insulation of existing doors, windows, floors and ceilings. Recipients of the micro loan must show a willingness and an ability to repay the loan.

Other important information: Apart from thermal insulation measures, the micro loan is also available for other energy efficiency products such as: ram pumps, swimming pumps, rain water catchment systems, drip irrigation systems, winter heating and cooking stoves, summer cooking stoves.

2.3 صور عن النهج

2.5 البلد/المنطقة/المواقع التي تم تطبيق النهج فيها

2.6 تواريخ بدء وإنهاء تنفيذ النهج

2.7 نوع النهج

• قائم على مشروع/برنامج

2.8 الغايات/الأهداف الرئيسية للنهج

The Approach focused mainly on other activities than SLM (Micro loan, thermal insulation)

The aim is to ensure easier access to micro loans in order to make it more affordable for the local households to improve their house thermal insulation, and thus reduce fire wood consumption, mitigate health risks, improve general well being and in the longer term, reduce pressure on the environment.

The SLM Approach addressed the following problems: Use of large amounts of firewood/teresken, thus depleting natural resources, to provide heat due to poor house insulation. Lack of sufficient finances to improve house insulation.

2.9 الظروف التي تمكن أو تعيق تنفيذ التقنية/التقنيات المطبقة بموجب النهج

3.1 أصحاب المصلحة المعنيون بالنهج وأدوارهم

3.2 انخراط مستخدمي الأراضي المحليين/المجتمعات المحلية في المراحل المختلفة للنهج

	انخراط مستخدمي الأراضي المحليين/المجتمعات المحلية	حدد من شارك وصف الأنشطة
المبادرة/التحفيز	تفاعلي	Household members take part in public meetings and awareness raising workshops
التخطيط	تفاعلي	Household members jointly with technical and financial specialists prepare a work plan for implementing the insulation works
التنفيذ	سلبي
الرصد/التقييم	تفاعلي	The users and specialists assess the efficiency of the micro loan and its procedures
Research	غير موجود

3.4 اتخاذ القرار بشأن اختيار تقنية/تقنيات الإدارة المستدامة للأراضي

حدد من الذي قرر اختيار التقنية/التقنيات التي سيتم تنفيذها:

• متخصصون في الإدارة المستدامة للأراضي بمفردهم

اشرح:

Decisions on the method of implementing the SLM Technology were made by by SLM specialists alone (top-down)

4.1 بناء القدرات/التدريب

هل تم تقديم التدريب لمستخدمي الأراضي / الأطراف المعنيين الآخرين؟:

نعم

حدد من تم تدريبه:

• مستخدمو الأراضي
• موظفون ميدانيون/ مستشارون

• Craftsmen

شكل التدريب:

• مناطق العرض
• اجتماعات عامة
• دورات

المواضيع المغطاة:

Awareness raising among the local population on the reasons for, and the effects of bad insulation of houses. The advantages and disadvantages of thermal insulation. Information on existing funding opportunities for thermal insulation. Training of local craftsmen on thermal insulation technologies, and the production of quality and well-insulated doors and windows.

4.2 خدمة استشارية

هل يملك مستخدمو الأراضي وصولا إلى خدمة استشارية؟:

كلا

4.3 تعزيز المؤسسات (التطوير التنظيمي)

هل تم إنشاء أو تعزيز مؤسسات من خلال هذا النهج؟:

• لا

4.4 الرصد والتقييم

هل يشكل الرصد والتقييم جزءا من النهج؟:

نعم

التعليقات:

no. of land users involved aspects were regular monitored by project staff through measurements; indicators: None

economic / production aspects were ad hoc monitored by project staff through measurements; indicators: None

economic / production aspects were regular monitored by land users through observations; indicators: None

technical aspects were regular monitored by project staff through measurements; indicators: None

technical aspects were regular monitored by land users through observations; indicators: None

management of Approach aspects were None monitored by project staff through measurements; indicators: None

There were few changes in the Approach as a result of monitoring and evaluation: Initially the micro loan was provided in cash directly to the households, but the results of monitoring showed that not the full amount of the loan was used for thermal insulation purposes. Therefore the MLO decided to allocate the loan for thermal insulation in kind; in the form of products and services, which proved to be more efficient.

There were few changes in the Technology as a result of monitoring and evaluation: Following ongoing discussions with craftsman and construction workers a follow-up seminar was conducted, where problems and possible changes were discussed in order to improve the quality of thermal insulation products. E.g. the roof hatch window had an opening, but it was not possible to open it from inside the room. As consequence every subsequent roof hatch window will have a lever connected to a string in order to open the window more easily.

4.5 البحوث

هل كانت البحوث جزءًا من النهج؟:

كلا

5.1 الميزانية السنوية لمكون الإدارة المستدامة للأراضي في النهج المذكور

إذا لم تكن الميزانية السنوية الدقيقة معروفة، قم بالإشارة إلى نطاقها:

• ‏ 10,0000-2,000

التعليقات (على سبيل المثال المصادر الرئيسية للتمويل/الجهات المانحة الرئيسية):

Approach costs were met by the following donors: local community / land user(s) (Micro loan borrower pays for insulation materials, construction, installation): 90.0%; private sector (MLO Madina offers technical and financial consultancy free of charge): 1.5%; international (GIZ grant for allocating micro loans ): 3.5%; other (Transportation ): 5.0%

5.2 الدعم المالي/المادي المقدم لمستخدمي الأراضي

هل حصل مستخدمو الأراضي على دعم مالي/ مادي لتنفيذ التقنية/ التقنيات؟:

كلا

5.3 إعانات لمدخلات محددة (بما في ذلك العمالة)

• بناء

التعليقات:

The micro loan fully covers the costs for purchasing doors, windows and insulation material as well as the installation. The transportation costs for delivering the products is paid separately in cash by the client.

5.4 الائتمان

هل تم توفير ائتمان في إطار نهج أنشطة الإدارة المستدامة للأراضي؟:

نعم

حدد الشروط (معدل الفائدة، فترة السداد، الخ.):

Interest rate charged: 30.0%; repayment conditions: Repayment should be completed within 12 months, with 1 month grace period allowed. This equates to a 2.5% interest rate per month..

Interest was lower than market rate.

حدد متلقي الائتمان:

Individual households receive credit to implement house thermal insulation

5.5 حوافز أو وسائل أخرى

هل تم استخدام حوافز أو أدوات أخرى لتشجيع تنفيذ تقنيات الإدارة المستدامة للأراضي؟:

كلا

6.1 آثار النهج

6.2 المحفز الرئيسي لقيام مستخدمي الأراضي بتنفيذ الإدارة المستدامة للأراضي

6.3 استدامة أنشطة النهج

هل يمكن لمستخدمي الأراضي المحافظة على استدامة ما تم تنفيذه من خلال النهج (بدون دعم خارجي)؟:

• نعم

إذا كانت الإجابة بنعم، صف كيف:

Sustainability is guaranteed by incentives along the value chain and introduced market mechanisms

6.4 نقاط قوة/مزايا النهج

نقاط القوة/ المزايا/ الفرص من وجهة نظر مستخدمي الأراضي
Improved knowledge on thermal insulation and micro loans
Access to thermal insulation
Reduced costs for fuel consumption

نقاط القوة/ المزايا/ الفرص من وجهة نظر جامع المعلومات أو غيره من الاشخاص الرئيسيين لمصدر المعلومات
Less harm to the environment
There was control of the whole process to ensure efficiency
Improved living conditions
Financial source with low interest rate

6.5 نقاط الضعف/ العيوب في المنهج وطرق التغلب عليها

نقاط الضعف/ المساوىء/ المخاطر من وجهة نظر جامع المعلومات أو غيره من الاشخاص الرئيسيين لمصدر المعلومات	كيف يمكن التغلب عليها؟
Some households still cannot afford the loan	Search for donor funding to establish a separate loan for the most poor
Whether MLO can sustain the interest rates without support coming from grants	The interests rates are still high, there could be a reduction in interest rate or the further payment holidays.
Costs for training and awareness raising	Initial investments as MLO cannot finance these activities

7.1 طرق جمع/مصادر المعلومات

7.3 روابط للمعلومات ذات الصلة المتوفرة على الإنترنت

العنوان/الوصف:

Micro loans for thermal insulation: A product documentation based on the experience of Tajik Gorno Badakhshan, Andre Fabian, Heike Volkmer, Christoph Wiedemann, 2010

عنوان الرابط URL:

http://www.naturalresources-centralasia.org/assets/files/2010-09-15_product_documentation_thermal_insulation_FINAL_rus.pdf