Access to thermal insulation through micro loans [Tadjikistan]

Tajikistan - Central Asian Countries Initiative for Land Management (CACILM/ИСЦАУЗР)

approaches_2575 - Tadjikistan

État complet: 92%

1. Informations générales

1.2 Coordonnées des personnes-ressources et des institutions impliquées dans l'évaluation et la documentation de l'Approche

Personne(s) ressource(s) clé(s)

Spécialiste GDT:
Nom du projet qui a facilité la documentation/ l'évaluation de l'Approche (si pertinent)
Pilot Program for Climate Resilience, Tajikistan (WB / PPCR)
Nom du ou des institutions qui ont facilité la documentation/ l'évaluation de l'Approche (si pertinent)
CACILM Multicountry Capacity Building Project (CACILM Multicountry Capacity Building Project) - Kirghizistan

1.3 Conditions relatives à l'utilisation par WOCAT des données documentées

Quand les données ont-elles été compilées (sur le terrain)?


Le compilateur et la(les) personne(s) ressource(s) acceptent les conditions relatives à l'utilisation par WOCAT des données documentées:


1.4 Références au(x) questionnaire(s) sur les Technologies de GDT

Thermo insulation of walls with use of foil to decrease burden on firewood use

Thermo insulation of walls with use of foil ... [Tadjikistan]

This technology is designed for the high altitude mountains areas, where biomass and growing trees are limited, first because of the harsh climatic conditions and secondly because of the limited arable lands for growing biomass and forests. Thermo insulation is applied in order to keep warmth inside and save using ...

  • Compilateur: Askarsho Zevarshoev

2. Description de l'Approche de GDT

2.1 Courte description de l'Approche

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

2.2 Description détaillée de l'Approche

Description détaillée de l'Approche:

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 Photos de l'approche

2.5 Pays/ région/ lieux où l'Approche a été appliquée



Région/ Etat/ Province:

Tajikistan/Gorno-Badakhshan Autonomous oblast

Autres spécifications du lieu :


2.6 Dates de début et de fin de l'Approche

Indiquez l'année de démarrage:



This approach is implemented in Shugnan, Murgab rayons, and also in Ishkashim

2.7 Type d'Approche

  • fondé sur un projet/ programme

2.8 Principaux objectifs de l'Approche

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 Conditions favorisant ou entravant la mise en œuvre de la(des) Technologie(s) appliquée(s) sous l'Approche

disponibilité/ accès aux ressources et services financiers
  • entrave

Households do not have enough financial resources available to buy afford thermal insulation for their houses.

Treatment through the SLM Approach: Offer micro loans with a low interest rate to be repaid within 12 months

cadre juridique (régime foncier, droits d'utilisation des terres et de l'eau)
  • favorise
  • entrave
connaissances sur la GDT, accès aux supports techniques
  • entrave

Lack of technical knowledge on thermal insulation techniques

Treatment through the SLM Approach: Technical support, recommendations and conducting thermal insulation

charge de travail, disponibilité de la main-d'œuvre
  • entrave

Households spend a large amount of time on collecting fuel resources to burn for heating and cooking

Treatment through the SLM Approach: Less workload due to reduced required amount of fuel

  • entrave

Lack of knowledge about the correlation between poor insulation and fuel consumption.

Treatment through the SLM Approach: Awareness raising about positive effects of thermal insulation and product promotion

3. Participation et rôles des parties prenantes impliquées dans l'Approche

3.1 Parties prenantes impliquées dans l'Approche et rôles

  • exploitants locaux des terres / communautés 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.

  • Spécialistes de la GDT/ conseillers agricoles

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

  • organisation internationale

Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH

  • Suppliers of doors, windows and construction materials, workers
3.2 Participation des exploitants locaux des terres/ communautés locales aux différentes phases de l'Approche
Participation des exploitants locaux des terres/ communautés locales Spécifiez qui était impliqué et décrivez les activités
initiation/ motivation interactive Household members take part in public meetings and awareness raising workshops
planification interactive Household members jointly with technical and financial specialists prepare a work plan for implementing the insulation works
mise en œuvre passive
suivi/ évaluation interactive The users and specialists assess the efficiency of the micro loan and its procedures
Research aucun

3.4 Prises de décision pour la sélection de la Technologie/ des Technologies

Indiquez qui a décidé de la sélection de la Technologie/ des Technologies à mettre en œuvre:
  • les spécialistes de la GDT seuls

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

4. Soutien technique, renforcement des capacités et gestion des connaissances

4.1 Renforcement des capacités/ formation

Une formation a-t-elle été dispensée aux exploitants des terres/ autres parties prenantes?


Spécifiez qui a été formé:
  • exploitants des terres
  • personnels/ conseillers de terrain
  • Craftsmen
Formats de la formation:
  • zones de démonstration
  • réunions publiques
  • cours
Thèmes abordés:

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 Service de conseils

Les exploitants des terres ont-ils accès à un service de conseils?


4.3 Renforcement des institutions (développement organisationnel)

Des institutions ont elles été mises en place ou renforcées par le biais de l'Approche?
  • non

4.4 Suivi et évaluation

Le suivi et l'évaluation font ils partie de l'Approche? :



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 Recherche

La recherche a-t-elle fait partie intégrante de l’Approche?


5. Financement et soutien matériel externe

5.1 Budget annuel de la composante GDT de l'Approche

Si le budget annuel précis n'est pas connu, indiquez une fourchette:
  • 2 000-10 000
Commentez (par ex. principales sources de financement/ principaux bailleurs de fonds):

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 Soutiens financiers/ matériels fournis aux exploitants des terres

Les exploitants des terres ont-ils reçu un soutien financier/ matériel pour la mise en œuvre de la Technologie/ des Technologies?


5.3 Subventions pour des intrants spécifiques (incluant la main d'œuvre)

  • matériaux de construction
Spécifiez les intrants subventionnés Dans quelle mesure Spécifiez les subventions
doors, windows, insulation materials repayable loans.

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 Crédits

Des crédits ont-ils été alloués à travers l'Approche pour les activités de GDT?


Spécifiez les conditions (taux d'intérêts, remboursements, etc.):

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.

Spécifiez les destinataires du crédit:

Individual households receive credit to implement house thermal insulation

5.5 Autres incitations ou instruments

D'autres incitations ou instruments ont-ils été utilisés pour promouvoir la mise en œuvre des Technologies de GDT?


6. Analyses d'impact et conclusions

6.1 Impacts de l'Approche

Est-ce que l'Approche a aidé les exploitants des terres à mettre en œuvre et entretenir les Technologies de GDT?
  • Non
  • Oui, un peu
  • Oui, modérément
  • Oui, beaucoup

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.

Est-ce que l'Approche a autonomisé les groupes socialement et économiquement défavorisés?
  • Non
  • Oui, un peu
  • Oui, modérément
  • Oui, beaucoup

Households save time and money on fuel, and can use this money for other purposes.

Did other land users / projects adopt the Approach?
  • Non
  • Oui, un peu
  • Oui, modérément
  • Oui, beaucoup

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.

Did the Approach lead to improved livelihoods / human well-being?
  • Non
  • Oui, un peu
  • Oui, modérément
  • Oui, beaucoup

The household living conditions were improved as they now live in warmer and more comfortable houses with reduced health risks

Did the Approach help to alleviate poverty?
  • Non
  • Oui, un peu
  • Oui, modérément
  • Oui, beaucoup

6.2 Principale motivation des exploitants des terres pour mettre en œuvre la GDT

  • réduire la charge de travail

Less time is spent on collecting fire wood

  • conscience environnementale

Fear to fully destroy the surrounding nature

  • well-being and livelihoods improvement

Well-insulated houses allow households to save money and live more comfortably

6.3 Durabilité des activités de l'Approche

Les exploitants des terres peuvent-ils poursuivre ce qui a été mis en œuvre par le biais de l'Approche (sans soutien extérieur)?
  • oui
Si oui, décrivez de quelle manière:

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

6.4 Points forts/ avantages de l'Approche

Points forts/ avantages/ possibilités du point de vue de l'exploitant des terres
Improved knowledge on thermal insulation and micro loans
Access to thermal insulation
Reduced costs for fuel consumption
Points forts/ avantages/ possibilités du point de vue du compilateur ou d'une autre personne ressource clé
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 Faiblesses/ inconvénients de l'Approche et moyens de les surmonter

Faiblesses/ inconvénients/ risques du point de vue du compilateur ou d'une autre personne ressource clé Comment peuvent-ils être surmontés?
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. Références et liens

7.1 Méthodes/ sources d'information

  • visites de terrain, enquêtes sur le terrain
  • interviews/entretiens avec les exploitants des terres

7.3 Liens vers les informations pertinentes disponibles en ligne

Titre/ description:

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