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Commercial Finance

The financial cost of meeting the water supply and sanitation needs of all Kenyans who lack access far exceeds the resources of either the donor community or the government of Kenya. The Kenyan Government National Water Master Plan 2030 shows an astounding two:three funding gap between investment needs and budgeted funds (2013–2030).

The KIWASH finance approach is geared towards increasing sustained access to credit for WASH with a special focus on the water utilities, referred to as the water service providers (WSPs) and WASH enterprises. The project is working to expand proven innovative financing models and pilot new ones with to help fill the existing financing gap, while also improving access to finance for households so that they can benefit from greater WSP reach by investing in water and sanitation upgrades.

KIWASH is working with 11 WSPs in the nine focus counties with which it has initiated a series of interventions toward improving utilities’ ability to take on debt or equity financing. These activities are centered on good governance, gender equality mainstreaming, five-year strategic plan upgrades, market assessments, and development of investment proposals for grant funding and commercial financing.

Specific activities:

  • Upgrading the performance of WSPs to unlock opportunities for better governance, increased investment, and greater accountability
  • Working with commercial banks and expand the use of USAID’s Development Credit Authority guarantee (DCA)
  • Developing  new financial products with the formal and informal financial sector and private sector companies


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