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Household Finance

TYPICAL CLIENTS:

Financial institutions and specialised housing finance companies seeking to expand their product offerings to consumers and homeowners.

Housing finance investors and funds interested in creating new offerings or serving new markets.

Multi-lateral and bi-lateral agencies seeking to diversify their product offerings beyond traditional microfinance or SME finance.

VALUE TO CLIENTS:

New product offerings such as affordable housing finance, consumer finance, savings, insurance products, mortgages and loans for home repairs, potable water and sanitation systems, energy-efficient appliances, stand-alone renewable energy systems.

Improved portfolio quality as a result of strengthened credit procedures and matching term length of funds to the time frame of the use.

Successful pilots of new product offerings and re-tooling for scale to improve long-term portfolio performance.
Linking investors to an alternative asset class of investment beyond microfinance and SME finance. Housing finance portfolios require long-term capital solutions that can be addressed through capital advisory services, fund design, and capital raising.

REPRESENTATIVE SERVICES:

Products and processes grounded in technical expertise in finance, clean energy, insurance and other consumer needs:

  • Institutional assessments
  • Market research and segment assessment (market sizing)
  • Strategic planning, business plan development
  • Product development (including pilot, revisions, and roll out)
  • Credit policies and processes
  • Monitoring and evaluation
  • Fund design, structuring, and capital raising (for housing finance)
  • Public private partnership development for low income communities (urban and rural)
  • Environmental and social performance strategy and management systems

ENVIRONMENTAL AND SOCIAL BENEFITS:

Household finance allows families to build assets and improve their livelihoods. By building household access to savings, insurance, housing and consumer finance, we build financial and economic inclusion. By purchasing or restoring their homes,and acquiring new or more efficient sources of power, water and sanitation, households can save time and money spent carrying water, caring for elderly family members or paying for high cost sources of power. These savings can be redirected toward education, entrepreneurship or other activities that bolster financial resiliency. Low income women and girls are disproportionately affected by poor conditions, and therefore stand to benefit greatly from these services.