• Sahyog Development Services offers Sanitation loan to its customers for construction/upgrade of the toilet in his/her household.
  • Prospective clients wanted loans anywhere between Rs 5000 to Rs 20000 with Equated Monthly Installment (EMI) mode of repayment .
  • As a policy decision, it has been agreed internally at SDS that it would like its prospective clients to contribute around 25 % of toilet construction cost. Moreover , SDS being a nascent MFI did not want to finance higher ticket size loan and the maximum amount for this loan product has been fixed at Rs 18,000 and Rs. 20,000.
  • Loan was given to Toilet User Group (TUG) of 3-8 women.

Types Toilet Loan products:

  • Turnkey Solution Provider (TSP)
    • We hire an agency called TSP for building toilets at clients home
    • Complete toilet (SUB STRUCTURE + SUPER STRUCTURE )