Karamin lamuni da samar da tsaftataccen ruwa da muhalli

Microcredit don Samar da Ruwa da Tsabtace Muhalli yana nufin amfani da ƙananan lamuni don tallafawa mutane da ƙananan kamfanoni wajen samun damar haɗa da ingantattun hanyoyin samar da ruwa da kuma tsarin tsaftar muhalli, musamman a ƙasashe masu tasowa. 

Ma'anar Microcredit

Microcredit yana nufin bayar da ƙananan lamuni ga mutane masu ƙaramin ƙarfi waɗanda ba su da damar samun lamuni daga bankuna na gargajiya.  Ana amfani da waɗannan lamuni don tallafawa ayyukan da za su inganta rayuwar masu karɓar lamunin, kamar kafa ƙananan sana'o'i ko inganta yanayin zamantakewa. 

Amfani da Microcredit a Fannin Ruwa da Tsabtace Muhalli

A fannin samar da ruwa da tsaftar muhalli, microcredit yana taimakawa wajen: 

Ba da lamuni ga mutane don haɗa gidajensu da bututun ruwa ko gina bandaki mai tsafta. 

Tallafawa ƙananan masu samar da ruwa masu zaman kansu don su inganta ayyukansu. 

Inganta ayyukan tsaftar muhalli a unguwannin da ke da ƙarancin albarkatu. 

Fa'idodin Amfani da Microcredit a Wannan Fanni

Rage Kuɗin Ruwa: Haɗa gida da bututun ruwa na iya rage kuɗin da ake kashewa wajen sayen ruwa daga masu sayarwa. 

Kara Lokaci: Maimakon ɗaukar lokaci mai tsawo wajen nemo ruwa, mutane za su iya amfani da wannan lokaci wajen yin wasu ayyuka masu amfani. 

Inganta Lafiya: Samun tsaftar muhalli na rage yaduwar cututtuka, wanda ke haifar da ƙarin lafiya da ƙarfin aiki. 

Kalubale

Ƙwarewar Hukumomi: Yawancin hukumomin microfinance ba su da ƙwarewa a fannin ruwa da tsaftar muhalli, wanda ke iya haifar da matsaloli wajen aiwatar da shirye-shiryen. 

Ƙuntatawar Kuɗi: Ƙananan lamuni na iya zama ba su wadatar don manyan ayyuka, musamman a yankunan da ke da matsaloli masu yawa. 

Misalan Aiki

India: A jihar Tamil Nadu, ƙungiyar Gramalaya tare da ƙungiyoyin mata sun yi amfani da microcredit don tallafawa mutane wajen samun ruwa da tsaftar muhalli. 

Vietnam: Ayyukan hadin gwiwa tsakanin hukumomi da ƙungiyoyin fararen hula sun yi amfani da microcredit don inganta tsarin tsaftar muhalli a birane. 

Senegal: An yi amfani da microcredit don tallafawa ƙananan kamfanoni wajen kula da tsarin samar da ruwa a ƙauyuka da ƙananan birane. 

Kammalawa

Amfani da microcredit a fannin samar da ruwa da tsaftar muhalli yana da matuƙar muhimmanci wajen inganta rayuwar mutane a ƙasashe masu tasowa.  Duk da cewa akwai kalubale, haɗin gwiwa tsakanin hukumomi, ƙungiyoyin fararen hula, da hukumomin microfinance na iya taimakawa wajen cimma nasarar wannan tsari. 

 Manazarta 

Loughborough University - Well Factsheet on Microfinance for Sanitation Archived 2009-07-07 at the Wayback Machine Originally compiled by Darren Saywell and updated by Catarina Fonseca, 2006

The Challenge of Financing Sanitation for meeting the Millennium Development Goals Archived 2010-06-13 at the Wayback Machine Meera Mehta and Andreas Knapp, 2004

Water.org (June 2011). "WaterCredit: Water.org's Initiative to Increase Access to Credit and Capital for Safe Water and Sanitation" (PDF). pp. 2 and 5. Retrieved 9 April 2012.