Leveraging Informal and Formal Financial Systems to Improve WASH Services in Rwanda
A Knowledge Product from the Isoko y’Ubuzima Project

Description:

This brief highlights findings from a field assessment of Village Savings and Loan Associations (VSLAs), Microfinance Institutions (MFIs), and Umurenge SACCOs (U-SACCOs) in delivering financial services that enable rural households to secure safe drinking water and improved sanitation and hygiene (WASH). It provides evidence-based recommendations to expand financial access for WASH investments. In addition to formal financial services, the learning brief highlights how informal systems, such as VSLAs, foster social capital, peer support, and motivation to invest in WASH. The brief concludes with actionable recommendations to strengthen financial access and leverage both formal and informal systems to improve WASH outcomes.

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Bibliographical Information:

Ugabinema, M. N. (2026) Leveraging Informal and Formal Financial Systems to Improve WASH Services in Rwanda. A Knowledge Product from the Isoko y’Ubuzima Project , CARE

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