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UDDIPAN Annual Report


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Water Credit (WASH) Project

Title of the Project:

Development and Introduction of WASH Loan Program for Marginalized to create access to Improved WASH Services (DeWALs) Project.



The project tiled Development and Introduction of WASH Loan Program for Marginalized to create access to Improved WASH Services has been designed in the line with GOB sanitation and water supply targets, with the view to improve the to improve standards of hygiene practices and behavior on a sustainable basis, while ensuring adequate sanitation and safe water supply in un-served and underserved areas, particularly for the poorest. The project will also be contributing towards achieving the MDG relating to water and sanitation; and makes a significant contribution to the MDGs relating to less than five child mortality and gender disparity in society. The project is going to target 19,571 disadvantaged, marginalized and extremely poor households who are professionally involved in agriculture, labor sale, small trade, fishing, boat carrying, driving, rickshaw and van pulling and poultry and livestock rearing. Their average household income is lower than Tk. 7592, rural average, as per Household Income and Expenditure Survey (HIES 2010).Majority of them are tremendously facing food insecurity, lacking of safe drinking water, unhygienic sanitation, malnutrition and high rate of infant mortality. The proposed WASH Loan Program will be implemented in 7 districts like Patuakhali, Barisal, Pirojpur, Comilla, Chittagong, Chandpur, and Rangpur for the period of four years where an awful water, sanitation and hygiene situation is existed.


In this contextual background UDDIPAN considered sustainable water and sanitation loan products and suitable WASH interventions as the solutions. Production and marketing of the improved water and sanitation loan product would be the heart of this project. In developing water and sanitation loan products and suitable WASH interventions, the program would consider two issues. These are environmentally fit water sources and sustainable management of the physical infrastructure. The water and sanitation loan can help in this regard in three major areas. These are water products, sanitation products and hygiene products. UDDIPAN would develop and make available water products that are protected and most likely to provide uncontaminated water, such as household/compound water connection or distribution systems with pipes, wells and boreholes with pumps, tube-well or bore-well, and rainwater harvesting tank etc. The organization would also develop sanitation products, such as covered ventilated improved pit (VIP) latrine, household/compound sewerage connection, household/compound septic tank, flush/pour flush to pit latrine, pit latrine with slab, filter bed toilet. Gradually, it would develop and make available hygiene products like bathing facilities, hand wash structure, safe water storage containers and leach pit. All these components will only be encouraged in promoting and designing water credit in the proposed working areas if they are in accordance with's loan product guidelines.

As part of implementation of this program, UDDIPAN will firstly form a WASH Loan Program Division Formation of WASH Loan Program Division. With the view to understand the WASH service requirements, the program will carry out market demand assessment. In addition to Water Credit Product Development, the project will develop a business plan for the WASH Loan Program, deployment of manpower for operation of WASH Loan Program and promotion and marketing of water and sanitation products among the targeted marginalized group. The program will make available financial support for the users of water, sanitation and hygiene products as loan form by linking them with the microfinance program of UDDIPAN. The project will provide technical assistance for the WASH borrowers in purchasing and installation of high quality water, sanitation and hygiene products.

Goal of the Project:

The goal of UDDIPAN's WaterCredit program is to expand their current WASH programing by develop water and sanitation loan products. This program will provide access to 19,571 clients to WASH loans in seven districts of Bangladesh, reaching a minimum of 88,070 people with safe water and/or adequate sanitation.


Objective of the Project:

To improve standards of hygiene practices and behavior on a sustainable basis, while ensuring adequate sanitation and safe water supply in un-served and under-served areas, particularly for the poorest.

The project will also be contributing towards achieving the MDG relating to water and sanitation; and makes a significant contribution to the MDGs relating to less than five child mortality and gender disparity in the society.

Project Beneficiaries:

Total Target Beneficiaries: 96,270 (21,493 hhs)

Target Water Beneficiaries: 10,000

Target Sanitation Beneficiaries: 86,270

Geographic Coverage of Project:

This project has been designed to make access to quality WASH services for the targeted disadvantaged, marginalized and extremely poor people of 7 districts including Comilla, Chandpur, Chittagong, Patuakhali, Barisal, Pirojpur, and Rangpur.

Name of Implementing Organization:

United Development Initiatives for Programmed Actions (UDDIPAN).

Financial Partner:

Project Period:

August 2014 to continuing.


Methodologies of implementation of the project will be, community mobilization, baseline survey, Market Demand Assessment, VO's capacity development, WASH credit support, Establish linkage with WASH product manufacturer & seller, Provide required technical support, organizing policy advocacy, developing responsiveness of LGIs and related stakeholders, developing appropriate technology & developing participatory monitoring system.

Human Resources:

The project is running with a guidance of a part time five members team headed by Honourable Executive Director of UDDIPAN and there is a full time project team consists of 71 members including Project Manager (1), Project Accountant (1), Project Engineer (1), Trainer (7), Supervisor (7), Project Implementation Officer (27) and partial paid Branch Accountant (27).

Activities of the Project:

  1. Market Demand Assessment
  2. Baseline Survey
  3. Product Design
  4. Product testing
  5. Community Awareness Building Meeting
  6. Health and Hygiene Awareness Building Meeting
  7. Client Awareness Building Meeting
  8. Staff Training
  9. Client /Borrower Training
  10. Loan Capital Disbursement for Water Product
  11. Loan Capital Disbursement for Sanitation Product
  12. Water Quality Test
  13. Collaboration with government and other stakeholders
  14. BCC/IEC Materials Development
  15. National/International Day Observation




Target of the Project for the period of August 2014 to September 2017:

(i) 400 Nos Loan Capital Disbursement for Water Options

(ii) 19171 Nos Loan Capital Disbursement for Sanitation Options

(iii) Client Training for 19,571 WASH borrowers

(iv) Awareness raising on health issues for 96,270 targeted people (direct & indirect)

(v) Menstrual Hygiene Education Training for 3,000 women and adolescent girls (it is an additional activity, supported by other donor).

UDDIPAN Loan Packages for Water and Sanitation Products:

A. Packages for Water Products


Name of Package

Estimated Cost (BDT)



Shallow Tube-Well (60 ft depth)



Shallow Tube-Well (120 ft depth)



Tube-Well with Overhead Tank



Deep Tube-Well (750 ft depth)



Deep Tube-Well (1000 ft depth)



Water Filter



Water + Water Filter

Water Cost + Filter Cost

B. Packages for Sanitation Products


Name of Package

Estimated Cost (BDT)



Pit Latrine (Economy)



Pit Latrine (Standard)



Offset Pit Latrine (Economy)



Offset Pit Latrine (Standard)



Twin-Pit Latrine



Toilet with Septic Tank/Ring (Economy)



Toilet with Septic Tank (Standard)


C. Packages for Water & Sanitation Products (Jointly)

Loan for Water & Sanitation Products (Jointly) may be decided considering water package and sanitation package.

Size of Loan:

(i) Loan for Shallow Tube-Well: Tk. 5,000 to Tk. 40,000

(ii) Loan for Deep Tube-Well: Highest Amount of Tk. 1,00,000

(iii) Loan for Sanitary Latrine: Tk. 5,000 to Tk.50,000.

Period of Loan: One year (Weekly or Monthly installment) including 15 days grace period.

Service Charge: 25% (declining method).

Insurance Facility: Borrower will get insurance facility in-case of her/his own or husband/wife’s death.

Case Study: "Child Isratjahan (Litun) changed her father's hand washing practice"

Name of Borrower : Nasima Begum

Wife of: Lavlu Mia, Age: 34 years, Occupation: House Wife, Date of Interview: 07/26/2016

Location: Village: Daktarpara, Village Organization (VO): Daktarpara (VO Code #-05, Member Code # 63), Branch: UDDIPAN Hazirhat Branch, Upazila- Rangpur Sadar, District-Rangpur, Bangladesh.

Family Information: 04 Members (Male-02 and Female-02). The family is not financially insolvent, but not aware about health, hygiene and safety.

Isratjahan (Litun) daughter of Nasima Begum, the hub characters of this study. She is six years old. Nasima has quite a lot of harsh experiences on health & hygiene related diseases. Rangpur is an area as remote as geographically and a percentage of people are typically live in under poverty line as well as religiously conservative culture. The people of this region are not enough conscious about safe water, sanitation & hygiene and it's a major root-cause of violent behavior to women and children. As reference of statistics, the area is also stirred up as high rate of illness for the time being among other districts over the country. The Water Credit Project endorsed by the UDDIPAN might be brought under control the situation Nasima deserved.


UDDIPAN provided her a 2 days inclusive client training on WASH covering the issues; WASH capacity building, loan product implementation & administration under the project "Development and Introduction of WASH loan program for Marginalized to create Access to Improved WASH services", supported by A session titled "Hand washing with soap" was inbuilt in that training program. At the time of that session daughter of Nasima, Isratjahan (Litun) was present and she learnt very attentively and started to practice on regular basis. Once morning her village doctor father Mr. Lavlu when came out from latrine, she stopped him and said, as per my instruction you will wash your hands with soap than you will go to room, otherwise not. Firstly, Mr. Lavlu felt shyness, but he was bound to follow his daughter's command. Litun demonstrated her father how he will wash his hands with soap and Mr. Lavlu do the same as her daughter's instruction. Litun said her father that she has learnt hand washing from a training program organized by Water Credit Project of UDDIPAN where she attended with her mother. Not only Mr. Lavlu, Litun demonstrated her brother Md. Imran (14) how to wash hands with soap and what are the critical time of hand washing. Mr. Lavlu says , "We wash hands as usual, but not as Litun's instruction what she has learnt from UDDIPAN. I will remember my learning from my child and continue practice properly. He is proud of her child Isratjahan (Litun) and thanked UDDIPAN and for its rigorous support".

Contact Person:

Md. Safiullah Safi, PM, Water Credit (WASH) Project
Mobile : 01730023527
Email :