Representatives of MLO Madina meet with a local household head to initiate the micro loan (Zubayda Kirgizbekova (Retail Cooperative))
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.
Lugar: Roshtkala, Tajikistan/Gorno-Badakhshan Autonomous oblast, Tayikistán
Dato de inicio: 2009
Año de conclusión: n.d.
Tipo de Enfoque
| ¿Qué partes interesadas/ entidades implementadoras estuvieron involucradas en el Enfoque? | Especifique las partes interesadas | Describa los roles de las partes interesadas |
| usuarios locales de tierras/ comunidades locales | Households who took out a loan for thermal insulation Households which cannot afford thermal insulation costs in one go, as it is a big financial burden for them, make use of the micro loan. Especially, female-headed households that have very little income. | |
| especialistas MST/consejeros agrícolas | Thermal insulation advisers | |
| ONG | MLO 'Madina' | Approach was developed jointly by local MLO Madina and GIZ Project 'Sustainable Management of Natural Resources in GBAO' in order to suit thermal insulation |
| organización internacional | Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH | |
| Suppliers of doors, windows and construction materials, workers |
Las decisiones fueron tomadas por
La toma de decisiones se basa en
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.
El trabajo de los usuarios de las tierras fue
Micro loans were given so people could afford to thermally insulate their houses, which reduces fire wood consumption and thus contributes to the preservation and improvement of natural vegetation.
Households save time and money on fuel, and can use this money for other purposes.
Following MLO Madina, other MLOs in Tajikistan started to include “Micro loans for thermal insulation” into their portfolio. One is MLO Ishkashim in GBAO, a second one is MLO Haqiq in the Baljuvon District of the Khatlon Region.
Sustainability is guaranteed by incentives along the value chain and introduced market mechanisms
