Using Microfinance to Expand Access to Energy Services: Summary of Findings


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Publication Title

Using Microfinance to Expand Access to Energy Services: Summary of Findings

Publication Type

SEEP Network Report


Ellen Morris, Jacob Winiecki, Sonali Chowdhary, Kristen Cortiglia

Publication Date



Publication URL


The SEEP Network,
1825 Connecticut Avenue, NW, Washington, DC 20009-5721.
Tel. 1-202-884-8581 Fax 1-202-884-8479
Email - Web -



The potential for microfinance institutions (MFIs) to offer profitable loans to purchase energy services, and thereby help alleviate poverty and promote modern, efficient energy use, has not yet been realized due to lack of experience by both the energy and microfinance fields and the lack of documented successes. In order to better understand this emerging arena, the Citi Foundation and United States Agency for International Development (USAID) funded a comprehensive study on the opportunities, barriers, costs, and impacts associated with MFI lending portfolios that have integrated energy lending into their products. This action research by Sustainable Energy Solutions (SES)and the SEEP Network, Using Microfinance to Expand Access to Energy Services, offers a detailed look at the business models, the clients, and the operations of selected MFIs in Asia, Africa, and Latin America and the Caribbean that currently have energy-lending programs.

The goals of the study are to offer initial recommendations for project implementation to the global financial service community, energy companies, donors, and policy makers, highlight lessons to learn from, and identify areas that warrant further attention for using microfinance to improve access to energy services.


Chapter 1 - Understanding energy and financing needs
Chapter 2 - Energy lending in the three regoions-Asia, Africa and Latin America and the Carribean
Chapter 3 - Major findings from the study
Chapter 4 - Success factors for expanding energy lending


See also

External Resources


 File Energy Summary FINAL.pdf

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