1.2 Арга барилыг баримтжуулах болон үнэлгээ хийхэд оролцсон хүн эсвэл байгууллагын холбоо барих хаяг

Арга барилыг баримтжуулах/үнэлэх ажилд дэмжлэг үзүүлсэн байгууллага(ууд)-ын нэр (шаардлагатай бол)

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

1.3 WOCAT-аар баримтжуулсан өгөгдлийг ашиглахтай холбоотой нөхцөл

Мэдээллийг хэзээ (газар дээр нь) цуглуулсан бэ?

2010

Эмхэтгэгч болон гол мэдээлэгч хүн(хүмүүс) WOCAT аргачлалаар баримтжуулсан мэдээллийг ашиглахтай холбоотой нөхцлийг хүлээн зөвшөөрсөн:

Тийм

1.4 ГТМ-ийн технологийн асуулгын(д) суурь мэдээлэл(д)

2.1 Арга барилын товч тодорхойлолт

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

2.2 Арга барилын дэлгэрэнгүй тодорхойлолт

Арга барилын дэлгэрэнгүй тодорхойлолт:

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 Арга барилын зурагууд

2.5 Арга барил нэвтрүүлсэн улс орон / бүс нутаг / байршил

2.6 Арга барилыг эхлэх, дуусах огноо

2.7 Арга барилын төрөл

• төсөл / хөтөлбөр дээр үндэслэсэн

2.8 Арга барилын үндсэн зорилго, зорилтууд

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 Арга барилын хүрээнд хэрэгжсэн Технологи/Технологиудад дэмжсэн эсвэл саад учруулсан нөхцлүүд

3.1 Арга барилд оролцогч талууд болон тэдгээрийн үүргүүд

3.2 Арга барилын янз бүрийн үе шатанд орон нутгийн газар ашиглагчид / бүлэглэлүүдийг татан оролцуулах

	Орон нутгийн газар ашиглагч / орон нутгийн иргэдийн оролцоо	Хэн оролцсоныг тодорхойлж, үйл ажиллагааг тайлбарлана уу
санаачлага/идэвхжүүлэлт	интерактив	Household members take part in public meetings and awareness raising workshops
Төлөвлөгөө	интерактив	Household members jointly with technical and financial specialists prepare a work plan for implementing the insulation works
Хэрэгжилт	идэвхигүй
Мониторинг/ үнэлгээ	интерактив	The users and specialists assess the efficiency of the micro loan and its procedures
Research	үгүй

3.4 ГТМ-ийн технологи/технологиуд сонгох шийдвэр

Хэрэгжүүлэх Технологи/Технологиудын сонголтыг хийж шийдвэр гаргасан хүнийг тодорхойлно уу:

• ГТМ-ийн мэргэжилтэн дангаараа

Тайлбар:

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

4.1 Чадавхи бэхжүүлэх/сургалт

Газар эзэмшигчид / бусад оролцогч талуудад сургалт явуулсан уу?

Тийм

Хэн сургалтанд хамрагдсан бэ:

• Газар ашиглагчид
• хээрийн ажилтан / зөвлөх

• Craftsmen

Сургалтын хэлбэр:

• үзүүлэнгийн талбай
• Олон нийтийн уулзалт
• курс дамжаа

Хамрагдсан сэвдүүд:

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 Зөвлөх үйлчилгээ

Газар ашиглагчдад зөвлөх үйлчилгээ авах боломжтой байдаг уу?

Үгүй

4.3 Институцийг бэхжүүлэх (байгууллагын хөгжил)

Арга барилаар дамжуулан институц байгуулагдаж эсвэл бэхжсэн үү?

• Үгүй

4.4 Мониторинг ба үнэлгээ

Мониторинг болон үнэлгээ нь арга барилын хэсэг үү?

Тийм

Тайлбар:

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 Судалгаа

Судалгаа арга барилын хэсэг нь байсан уу?

Үгүй

5.1 ГТМ-ийн Арга барилын бүрэлдэхүүн хэсгийн жилийн төсөв

Хэрэв жилийн төсөв тодорхойгүй бол хягаарыг тодруулна уу:

• 2,000-10,000

Тайлбар (жнь: санхүүжилтийн гол эх үүсвэр / гол хандивлагчид):

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 Газар ашиглагчдад санхүүгийн / материаллаг дэмжлэг үзүүлсэн

Технологи / технологийг хэрэгжүүлэхэд газар ашиглагчид санхүүгийн / материаллаг дэмжлэг авсан уу?

Үгүй

5.3 Тодорхой зардлыг даахад чиглэсэн дэмжлэгт (хөдөлмөрийн хүчийг оролцуулаад)

• Барилга байгууламж

Тайлбар:

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 Кредит

Арга барилын хүрээнд ГТМ-ийн үйл ажиллагаанд зориулж зээлд хамрагдсан уу?

Тийм

Нөхцөл байдлын тодорхойлолт (хүүгийн хэмжээ, эргэн төлөлт гэх мэт):

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.

Зээлийн хүлээн авагчийг тодорхойлно уу:

Individual households receive credit to implement house thermal insulation

5.5 Бусад урамшуулал, хэрэгсэл

ГТМ-ийн технологийг хэрэгжилтийг дэмжихэд ашигласан бусад урамшуулал, хэрэгсэл байсан уу?

Үгүй

6.1 Арга барилын нөлөөллүүд

6.2 ГТМ-ийг хэрэгжүүлэх газар ашиглагчидын гол санаачилга

6.3 Арга барилын үйл ажиллагааны тогтвортой байдал

Газар ашиглагчид арга барилаар дамжуулан хэрэгжүүлсэн арга хэмжээг тогтвортой хадгалж чадах уу (гадны дэмжлэггүйгээр)?

• Тийм

Хэрэв тийм бол яаж гэдгийг тайлбарлана уу:

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

6.4 Арга барилын тогтвортой/давуу тал/боломжууд

Газар ашиглагчдын тодорхойлсон давуу тал/боломжууд
Improved knowledge on thermal insulation and micro loans
Access to thermal insulation
Reduced costs for fuel consumption

Эмхэтгэгч, бусад мэдээлэл өгсөн хүмүүсийн өнцгөөс тодорхойлсон давуу тал/боломжууд
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 Арга барилын дутагдалтай/сул тал/аюул болон тэдгээрийн хэрхэн даван туулах арга замууд

Эмхэтгэгч, бусад мэдээлэл өгсөн хүмүүсийн өнцгөөс тодорхойлсон сул тал/ дутагдал/ эрсдэл	Тэдгээрийг хэрхэн даван туулах вэ?
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 Мэдээллийн эх үүсвэр/аргууд

7.3 Холбогдох мэдээллийн интернет дэх нээлттэй холбоосууд

Гарчиг/ тодорхойлолт:

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

URL:

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