From the entire spectrum of micro finance (financial literacy, micro credit, micro savings, micro insurance and micro pensions) most instruments are used in FINISH in India and Kenya. The microfinance instruments could still be further detailed in loan types and amounts (whereby differences and similarities between countries become apparent) and also different types of insurance products on offer. Also we do not include micro pensions as it is not directly linked to the programme, though this is done by some of our partners.
'''Entire Paper Download''': [http://www.susana.org/en/knowledge-hub/regional-chapters/indian-chapter/library-indian-chapter/details/2438 Financing Sanitation Paper Series #1 - An overview of the financial instruments for sanitation used in FINISH programmes in India and Kenya]
===FINANCING SANITATION PAPER SERIES #2===
Realising that there are limited public funds available, can we identify mixtures of public and private financing that leverage limited public financial resources, attract other financial resources and target public resources to those most in need. The drawing below provides an overview hereof. Stratifying communities opens the possibility to design targeted/tailored financial instruments. The graph below shows on the left side the current scenario with many vulnerable people to a new scenario that is based on the ability to pay for sanitation investments and widens the “net” of private financing.
'''Entire Paper Download''': [http://www.susana.org/en/knowledge-hub/resources-and-publications/library/details/2439 Financing Sanitation Paper Series #2 - The essence of public and private funding for sanitation]]
===FINANCING SANITATION PAPER SERIES #3===
Microinsurance has a special place in financial inclusion as it protects wealth of low income people against specific perils in exchange for regular payments (premium) proportionate to the likelihood and cost of risk involved. It does this through sharing the risk in the target market so that premiums remain affordable yet equitable. In general, insurance is administered in two ways: Retailing individual insurance or through group insurance schemes. Both have their own nuances and their relative advantages and disadvantages.
'''Entire Paper Download''': [http://waste.nl/en/product/deepening-financial-inclusion Deepening Financial Inclusion: The potential role of micro insurance in driving sanitation]
===FINANCING SANITATION PAPER SERIES #4===