Water and Sanitation Program (WSP) is working to leverage domestic private sector expertise and resources to deliver services that benefit the poor. The aim is to help an estimated 1.5 million poor people gain sustained access to improved water supply and sanitation services and leverage over US$80 million in investments by donors, governments, and the domestic private sector through three main activity lines: building water and sanitation business models for the poor; public-private partnerships in non-traditional markets; and, banking the unbanked water and sanitation providers. Encouraging creditworthy utilities to finance a portion of their investment program using commercial debt will improve the allocation of public funds for investment. Taking steps to address performance issues that hinder access to credit could see significantly more investment in water by the private sector, resulting in improved access in urban areas.

Financial Access 2009 introduces the latest data from a survey of financial regulators in 139 countries. It presents indicators of access to savings, credit, and payment services in banks, and in regulated nonbank financial institutions. It is intended for a broad audience of policymakers, researchers, practitioners, multilateral and bilateral investors, in order to guide monetary policy, monitor systemic risks, and collect information on the values of deposits and credit. This report reviews three interventions: disclosure requirements, interest rate caps, and methods to address excessive lending that can result in consumer indebtedness. Improved transparency and disclosure allow borrowers to make informed choices and can facilitate competition in financial markets, eventually leading to lower prices and improved products. Policies to restrict interest rates or credit quantity, especially in consumer credit, seem to have limited effect but require further analysis.

The case studies documented in this report aim to inform the energy access community (including practitioners, civil society groups, project planners, end users) about best practices of successful energy access initiatives targeted at slum dwellers. Eight case studies focusing on electrification and household energy were selected from India, Bangladesh, Colombia and Brazil, all countries that have had varying success in providing access to modern energy services for slum dwellers. The cases had to meet all or some of the following criteria: 1) limited to developing countries; 2) demonstrate innovative methods of improving energy access, including collaborative stakeholder engagement; 3) at least one example of small local energy service providers; 4) contributed to community development by promoting local skill development and income generation; and 5) representative of electricity and different sources of household energy. The case studies describe the existing conditions in the slum, type of energy service provided...

This report analyzes the progress and challenges of 16 countries in the Danube watershed in delivering sustainable water and wastewater services to all, while meeting the European Union environmental acquis communautaire. After putting the services that are being delivered into context, the report analyzes the organization of services in the region and the level of access to services, that is, how well countries are doing in terms of providing access to water and wastewater services for the entire population. It then looks at the performance of the sector, including the quality of services provided and customer satisfaction with it. It also draws a picture of the efficiency of services, including whether they reflect accepted good practices. Finally, it analyzes the financing of services, looking at whether the financing of operation, maintenance, and investments is secured and affordable. The report draws largely from existing public data sources at the national and regional level, and consolidates them into a coherent...

To evaluate and reflect the sustainability of services in the region, an overall sector maturity assessment was done taking into account four main dimensions: access to services, quality of services, efficiency of services, and financing of services. Each of these dimensions is measured through three simple and objective indicators. For each indicator, best practice values are established by looking at the best performers in the region, and countries closest to those best performers are deemed to have a more mature sector. A more complete description of the methodology to assess the sector maturity is included in the annex of the state of the sector regional report from the Danube Water Program. The outcomes of this assessment for the Austrian water sector are presented, which also shows average and best practices in the Danube region. The Austrian sector maturity score is 96, which is significantly higher than the Danube average maturity of 64, and the highest score in the region. The assessment shows that...

To evaluate and reflect the sustainability of services in the region, an overall sector sustainability assessment was done taking into account four main dimensions: access to services, quality of services, efficiency of services, and financing of services. Each of these dimensions is measured through three simple and objective indicators. For each indicator, best practice values are established by looking at the best performers in the region, and countries closest to those best performers are deemed to have a more mature sector. A more complete description of the methodology to assess the sector sustainability is included in the Annex of the State of the Sector Regional Report from the Danube Water Program. The outcomes of this assessment for the Czech Republic water sector are displayed in Figure 9, which also shows average and best practices in the Danube region. The Czech sector sustainability score is 88, which is much higher than the Danube average sector sustainability of 64, and is among the best practices in the region. The assessment shows that...

To evaluate and reflect the sustainability of services in the region, an overall sector sustainability assessment was done, taking into account four main dimensions: access to services, quality of services, efficiency of services, and financing of services. Each of these dimensions is measured through three simple and objective indicators. For each indicator, best practice values are established by looking at the best performers in the region, and countries closest to those best performers are deemed to have a more mature sector. A more complete description of the methodology to assess sector sustainability is included in the Annex of the State of the Sector Regional Report from the Danube Water Program. The outcomes of this assessment for Hungary’s water sector are displayed, which also shows average and best practices in the Danube region. The Hungarian sector sustainability score is 74, which is far above the Danube average sustainability of 64, and is among the best practices in the region. The assessment shows that...

To evaluate and reflect the sustainability of services in the region, an overall sector sustainability assessment was done, taking into account four main dimensions: access to services, quality of services, efficiency of services, and financing of services. Each of these dimensions is measured through three simple and objective indicators. For each indicator, best practice values are established by looking at the best performers in the region, and countries closest to those best performers are deemed to have a more mature sector. A more complete description of the methodology to assess the sector sustainability is included in the annex of the state of the sector regional report from the Danube Water Program. The outcomes of this assessment for the Slovenia water sector are displayed, which also shows average and best practices in the Danube region. The Slovenian sector sustainability score is 84, which is above the Danube average sustainability score of 64. The assessment shows that, on average, the country performs well in terms of access to piped water and flush toilets...

To evaluate the sustainability of services in the region, an overall sector sustainability assessment was done taking into account four main dimensions: access to services, quality of services, efficiency of services, and financing of services. Each of these dimensions is measured through three simple and objective indicators. For each indicator, best practice values are established by looking at the best performers in the region, and countries closest to those best performers are deemed to have a more mature sector. A more complete description of the methodology to assess sector sustainability is included in the annex of the state of the sector regional report from the Danube Water Program. The outcomes of this assessment for the FYR Macedonia water sector are presented in Figure 9, which also shows average and best practices in the Danube region. The Macedonian sector sustainability score is 61, which is below the Danube average of 64. The assessment shows that, on average, the country performs well in terms of access to piped water and flush toilets...

To evaluate and reflect the sustainability of services in the region, an overall sector sustainability assessment was conducted taking into account four main dimensions: access to services, quality of services, efficiency of services, and financing of services. Each of these dimensions is measured through three simple and objective indicators. For each indicator, best practice values are established by looking at the best performers in the region, and countries closest to those best performers are deemed to have a more mature sector. A more complete description of the methodology to assess sector sustainability is included in the annex of the state of the sector regional report from the Danube water program. The outcomes of this assessment for the Kosovo water sector are presented, which also shows average and best practices in the Danube region. As a result, the Kosovo sector sustainability score is 63, which is close to the Danube average sustainability of 64. The assessment shows that, on average, the country performs well in terms of access to piped water and flush toilets...

In order to evaluate and reflect the sustainability of services in the region, an overall sector sustainability assessment has been established taking into account four main dimensions: access to services, quality of services, efficiency of services, and financing of services. Each of these dimensions is measured through three simple and objective indicators. For each indicator, best practice values are established by looking at the best performers in the region, and countries closest to those best performers are deemed to have a more mature sector. A more complete description of the methodology to assess the sector sustainability is included in the Annex of the State of the Sector Regional Report from the Danube Water Program. The outcomes of this assessment for the Montenegro water sector are displayed, which also shows average and best practices in the Danube region. As a result, the Montenegro sector sustainability score is 59, which is below the Danube average sustainability of 64, and is among the lower scores in the region. The assessment shows that...

To evaluate and reflect the sustainability of services in the region, an overall sector sustainability assessment was done, taking into account four main dimensions: access to services, quality of services, efficiency of services, and financing of services. Each of these dimensions is measured through three simple and objective indicators. For each indicator, best practice values are established by looking at the best performers in the region, and countries closest to those best performers are deemed to have a more mature sector. A more complete description of the methodology to assess the sector sustainability is included in the Annex of the State of the Sector Regional Report from the Danube Water Program. The outcomes of this assessment for the Moldova water sector are presented, which also shows average and best practices in the Danube region. The Moldova sector sustainability score is 50, which is below the Danube average of 64, and is among the lowest scores in the region. The assessment shows that, on average...

To evaluate and reflect the sustainability of services in the region, an overall sector sustainability assessment was done taking into account four main dimensions: access to services, quality of services, efficiency of services, and financing of services. Each of these dimensions is measured through three simple and objective indicators. For each indicator, best practice values are established by looking at the best performers in the region, and countries closest to those best performers are deemed to have a more mature sector. A more complete description of the methodology to assess the sector sustainability is included in the Annex of the State of the Sector Regional Report from the Danube Water Program. The outcomes of this assessment for Bulgaria’s water sector are presented, which also shows average and best practices in the Danube region. The Bulgarian sector sustainability score is 66, which is just above Danube average sustainability of 64. The assessment shows that, on average, the country performs well in terms of access to piped water...

In order to evaluate the sustainability of services in the region, an overall sector maturity assessment was done taking into account four main dimensions: access to services, quality of services, efficiency of services, and financing of services. Each of these dimensions is measured through three simple and objective indicators. For each indicator, best practice values are established by looking at the best performers in the region, and countries closest to those best performers are deemed to have a more mature sector. A more complete description of the methodology to assess sector maturity is included in the annex of the state of the sector Regional Report from the Danube Water Program. The outcomes of this assessment for the Bosnia and Herzegovina water sector are displayed in Figure 10, which also shows average and best practices in the Danube region. The BiH sector maturity score is 57, which is close to the Danube average maturity of 64. The assessment shows that, on average, the country performs well in terms of access to piped water and flush toilets...

The Middle East and North Africa (MENA) region is at one of the most critical turning points in its modern history. The Arab spring was driven by the desire for economic opportunity and justice in the face of poverty and unemployment. The development of strong economies that enable both women and men to enhance their livelihoods is crucial for the future of the region. The growth and success of women-owned businesses is one of the most profound changes in the business world today. There is no doubt that women are an emerging market force. However, many businesswomen are not accessing commercial credit, an essential driver of business success. Lack of access to finance and financial services is repeatedly identified as the major constraint for women business owners. This report 'ready for growth: solutions to increase access to finance for women-owned business in the Middle East and North Africa', is designed to shed a light on those barriers. It is the result of a unique International Finance Corporation (IFC) partnership with vital voices and the Middle East and North Africa Businesswomen's Network (MENA BWN). Its purpose is to fill a critical gap in our knowledge of what women-owned businesses need in terms of financial products and services. Building on our knowledge of how commercial banks currently reach the women's market...

The South Asia region is home to the largest pool of individuals living under the poverty line, coupled with a fast-growing population. The importance of access to basic infrastructure services on welfare and the quality of life is clear. Yet the South Asia region's rates of access to infrastructure (sanitation, electricity, telecom, and transport) are closer to those of Sub-Saharan Africa, the one exception being water, where the South Asia region is comparable to East Asia and the pacific and Latin America and the Caribbean. The challenge of increasing access to these services across the South Asia region is compounded by the unequal distribution of existing access for households. This study improves understanding of this inequality by evaluating access across the region's physical (location), poverty, and income considerations. The paper also analyzes inequality of access across time, that is, across generations. It finds that while the regressivity of infrastructure services is clearly present in South Asia, the story that emerges is heterogeneous and complex. There is no simple explanation for these inequalities...

Over two thirds of Nigeria's population resides in rural areas. Increasingly, poverty in the country is wearing a rural face. From 28.3 percent in 1980, poverty among the rural population grew to 51.4 percent in 1985, has since risen to 69.8 percent in 1996. Poverty tends to affect men and women differently. Women are generally less educated, more vulnerable, deprived and powerless than their male counterparts. 1.2 Poor people experience insecurity and vulnerability (drought, desertification, flooding, deforestation, diseases, volatile commodity markets etc.); lack of empowerment to influence public policies according to their priorities; and lack of opportunities for income generation and benefits from markets. Access to education, safe water supply, sanitation, health, modern energy, telecommunications and roads are important in reducing vulnerability and increasing prosperity.

Two key dimensions on access to justice sector services in Jordan are poverty and gender. The gender dimension to accessing formal justice sector services, namely court and lawyer services is anchored in the reality that women and men in Jordan demonstrate different needs and priorities for services, and face different obstacles in accessing them. Jordan demonstrates different needs and priorities for services, and face different obstacles in accessing them. Understanding these differences has been considerably enhanced by disaggregation of data from the statistical survey on the volume of demand for legal aid (LAS) by gender. This data is complimented by analysis of the caseload of the Justice Center for Legal Aid (JCLA), which is arguably Jordan's largest legal aid provider and whose beneficiaries are predominately women. Justice sector officials and policy-makers now have better empirical data to inform reforms aimed at improving service delivery. This data can also be used to target services to better support broader objectives of increased economic participation and agency for women...

Access to financing is now widely acknowledged as a path to meaningful economic inclusion and reduction in poverty. Policy efforts to increase access to finance in Pakistan have taken time to bear fruit, but now access is indeed expanding quickly in certain financial sectors (microfinance, remittances), albeit from a very low base. Nevertheless, policy measures cannot single-handedly increase financial access; financial institutions' willingness to expand access in Pakistan has been stinted by slow technologic advances, weak legal foundations, and unsuitable financial processes and products. Poor socioeconomic conditions, gender bias, and low levels of basic education and financial literacy remain barriers, but perhaps the single strongest driver of low demand for financial access has been income. The primary purpose of this study is to measure and describe the state of financial service provision to underserved segments of the market in Pakistan, particularly those with low incomes and small enterprises, and to identify ways to improve investment and create inclusive markets that meet the needs of underserved people and enterprises.

Over the last three decades Jordan has made substantial investments in its human resources, spending more than 10 percent of Gross Domestic Product (GDP) on health and education. Like their male counterparts, women and girls have benefitted from these policies and their quality of life has improved. The Jordan Country Gender Assessment (CGA) has two primary objectives. The first is to assess gender imbalances in the areas of economic participation in the labor market, agency, and access to justice; provide a framework for policies or interventions to the Government of Jordan (GoJ) on addressing imbalances; and provide a basis for implementing the activities included in the Gender Action Plan (GAP). The second objective is to develop and strengthen partnerships with GoJ agencies, Civil Society Organization's (CSOs), and academic institutions to promote collaboration on addressing gender-related issues impacting development, and in particular to develop mechanisms for cooperation on implementation of the GAP. This CGA will further explore...