This study examines the gap between financial lending institutions and sanitation and hygiene services within Nkhata Bay District, Malawi. The study reviewed literature and policies, and conducted interviews, field observations, focus group discussions, household and lending institutions surveys, and peer reviewed workshops. Results suggest the following recommendations: promoting informal financial services, improving access for “risky” customers, improving knowledge for financial service providers, and promoting loan diversity. Although it has been found in Malawi households are willing to pay, cash, for improved sanitation, build-up of private sector businesses is hampered by lending institutions not willing to provide financial services.
Holm, R.; Kasulo, V.; Wanda, E. Why Financial Lending Institutions Are Not Willing to Provide Services to the Private Sector for Rural Sanitation and Hygiene. (2015) 8 pp.