1.2 参与方法评估和文件编制的资源人员和机构的联系方式

有助于对方法进行记录/评估的机构名称（如相关）

Central Asian Countries Initiative for Sustainable Land Management - Multicountry Capacity Building (CACILM - MCB) - 吉尔吉斯斯坦

1.3 关于使用通过WOCAT记录的数据的条件

（现场）数据是什么时候汇编的？:

2010

编制者和关键资源人员接受有关使用通过WOCAT记录数据的条件。:

是

1.4 SLM技术问卷的参考

2.1 该方法的简要说明

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

2.2 该方法的详细说明

该方法的详细说明:

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 该方法的照片

2.5 采用该方法的国家/地区/地点

2.6 该方法的开始和终止日期

2.7 方法的类型

• 基于项目/方案

2.8 该方法的主要目的/目标

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 推动或妨碍实施本办法所适用的技术的条件

3.1 该方法涉及的利益相关者及其职责

3.2 当地土地使用者/当地社区参与该方法的不同阶段

	当地土地使用者/当地社区的参与	指定参与人员并描述活动
启动/动机	互动	Household members take part in public meetings and awareness raising workshops
计划	互动	Household members jointly with technical and financial specialists prepare a work plan for implementing the insulation works
实施	被动
监测/评估	互动	The users and specialists assess the efficiency of the micro loan and its procedures
Research	无

3.4 有关SLM技术选择的决策

具体说明谁有权决定选择要实施的技术:

• 仅限SLM专家

解释:

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

4.1 能力建设/培训

是否为土地使用者/其他利益相关者提供培训？:

是

明确受训人员:

• 土地使用者
• 现场工作人员/顾问

• Craftsmen

培训形式:

• 示范区域
• 公开会议
• 课程

涵盖的主题:

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 咨询服务

土地使用者有权使用咨询服务吗？:

否

4.3 机构强化（组织发展）

是否通过这种方法建立或加强了机构？:

• 否

4.4 监测和评估

监测和评估是该方法的一部分吗？:

是

注释:

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 研究

研究是该方法的一部分吗?

否

5.1 该方法中SLM组成部分的年度预算

如果不知道准确的年度预算，请给出一个范围:

• 2,000-10,000

注释（例如主要的资助来源/主要捐助者）:

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 为土地使用者提供财政/物质支援

土地使用者是否获得实施该技术的财政/物质支持？:

否

5.3 对特定投入的补贴（包括劳动力）

• 建筑

注释:

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 信用

是否根据SLM活动的方法给予信用值？:

是

对条件（利率、回报等）进行具体说明:

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.

请具体指明信贷接收人:

Individual households receive credit to implement house thermal insulation

5.5 其它激励或手段

是否有其他激励措施或工具用于促进SLM技术的实施？:

否

6.1 方法的影响

6.2 土地使用者实施SLM的主要动机

6.3 方法活动的可持续性

土地使用者能否维持通过该方法实施的措施（无外部支持的情况下）？:

• 是

若是，请说明如何维持:

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

6.4 该方法的长处/优点

土地使用者眼中的长处/优势/机会
Improved knowledge on thermal insulation and micro loans
Access to thermal insulation
Reduced costs for fuel consumption

编制者或其他关键资源人员认为的长处/优势/机会
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 该方法的弱点/缺点以及克服它们的方法

编制者或其他关键资源人员认为的弱点/缺点/风险	如何克服它们？
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 方法/信息来源

7.3 链接到网络上可用的相关信息

标题/说明:

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