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Neil Patel

WSSH Specialist @ DAI


Digital Credit: Closing the Water Financing Gap in Rural Tanzania


Affiliation: UT Austin

Completion: June 2020

The United Republic of Tanzania explicitly recognizes the human right to water and sanitation in its constitution. However, full implementation of this right has been complicated by Tanzania’s ongoing decentralization process for water governance, which has created a significant public financing gap for cash-strapped rural water schemes. Under the framework of the progressive realization of the human right to water, this thesis examines the potential for digital credit financing to bridge the public financing gap for rural water schemes in Tanzania. The thesis utilizes (1) country-wide data on digital financial inclusion and rural water access and (2) two case studies of digital credit financing in the rural water sector to explore the viability of a digital credit financing model.

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