Hybrid and revolving fund for implementation of village-owned healthy living solutions in South and Southeast Asia.

Village-owned solutions create health and are implemented with a loan. It ensures a guaranteed income. Repayment leads to a revolving fund.

Photo of Niels Boertje
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I confirm that I am fully aware of the eligibility criteria, and based on its description, I am eligible to apply to the CSV Prize 2017.

  • Yes, I'm eligible

Preferred language

  • English

Organization name

Applicant party

Year founded


Initiative stage

  • Start-Up (a pilot that has just started operating)

Annual budget in 2017 (USD)

  • $50k - $100k

Number of beneficiaries impacted so far

  • 250 - 500

Organization type

  • Nonprofit, NGO, or citizen sector

Secondary Focus Area

  • Rural development

Headquarters location: Country

  • Netherlands

Headquarters location: City

Head quartered in Holland, funds located/revolving in local country funds.

Location(s) of impact

South and Southeast Asia. In the current pilot phase: India: Pulivendula


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Twitter URL

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Problem: What problem is this initiative trying to address?

Many people in South and Southeast Asia suffer from extreme poverty. They do not have access to basic needs as safe drinking water, health care and education. This exacerbates their unhealthy living situations. F.e. in our pilot area the Dalit village Pothulapalli faces scarcity of drinking water: recurring illness leads to high medical expenses, low productivity, loss of income, increased debts, malnourishment and drop outs. In the absence for opportunities to overcome this, the village is sent into a downward spiral.

Solution Summary: What is the proposed solution? What do you see as its most promising aspects for creating shared value?

The initiative offers two very promising aspects; Next to an integral strategy for a maximum impact on village level, that include 5 essential elements: health, local ownership, entrepreneurship and income, environment and self-reliance. In combination with the sustainability of this initiative, by creating a revolving fund that is mainly grants and donation based. This hybrid fund, offers not just the opportunity to invest in high-risk area’s and solutions, it allows to meso loans: - At favourable rates; - With profitable earnings; - So that villagers can actually repay from the profit of the solution; - So that villagers, own the solution's assets after full repayment; - Which increases the sustainability of the solution. - Last but not least, through repayment of the meso loan to the revolving fund, new communities get same opportunity. Especially this last aspect of the initiative, creates a powerful lever effect: multiplying shared value over time in many villages!

Impact: What is the impact of the work to date? Specify both the social and the environmental impact of your work

In this phase we implemented a water purification plant as village-owned solution for the Dalit village Pothulapalli. So far this has led to better health, increased productivity and income earning capacity. To be precise: - Safe drinking water for all village members for free; - This has resulted in a reduction of waterborne diseases; - Efficient use of the discharge water so the community raises kitchen garden and backyard horticulture which can meet their demands for nutritious food; - The sales and distribution of the surplus water to other villages are very successful: the net profit per year for the village is almost € 9.500; - Access to more earnings and savings leads to reinvestments in new businesses, like goat rearing. The first time we entered the village only a very few goats were present. Two years after the implementation of the plant, there were more 1.500 goats in the village (!). - The earnings guarantee the maintenance of the plant. - No drop outs.

Financial sustainability plan: How is this initiative financially supported? How will you ensure its financial sustainability long-term?

Because the solutions are implemented based on a loan, the sustainability is guaranteed based on its revolving premise. The revolving fund will be based on donations and grants, the loans will generate interest, which will cover expenditure to support the village and to manage the fund.

Unique value proposition: What makes your initiative innovative? How does your project differ from other organizations working in the same field?

Through hybrid financing our initiative offers a meso loan to the most disadvantaged communities for implementing village-owned solutions for their unhealthy and backwarded life conditions. Not only leads this to a benefit in terms of health, income and independence for the village members. Because the fund will be utilized for reinvestments in other villages, it leads to a huge leverage. Besides, it gives a maximum financial return on investment for the donated funds.

Where did you hear about the Nestlé Creating Shared Value Prize?

  • Ashoka page or contact


Join the conversation:


I am glad that you are focusing on an SDG. I would recommend that you expand this project to the villages in Maharashtra., India such as Latur where there have been numerous farmer suicides because of drought, lack of food availability, excess loans, lack of safe drinking water due to depletion of water table etc., The government intervention in these areas is so poor that these villagers are left to fend for themselves. Your project can really help them.

Photo of Niels Boertje

Thank you Koshika, Glad to hear! We will definitely consider this on the medium term. Let us stay in touch. All best, Niels


It is uplifting to read of your work.

Just like you Sustainable Innovations is building infrastructure for delivering safe drinking water for generations and for delivery of health care to rural communities. The villages co-invest in the infrastructure. Local women set up their own health delivery enterprises. SI support them through financial, intellectual, and managerial capitals.

Photo of Niels Boertje

Thank you for your comment.
I checked your initiative and indeed very much similarities. Would be interesting to stay in contact. Initiatives like the ours aren't not that much available or needs to be proven on the longer term. Good luck with the challenge.
Best, Niels

Photo of S3IDF

Hi Niels,

I would definitely be interested in staying in contact. I definitely agree that with the limited number of players in the space using this particular approach, we could collectively use all collaborative and conversation opportunities we can get. Good luck to you as well - and please feel free to get in contact if there's an opportunity or topic in particular you'd like to discuss.

Photo of Niels Boertje

Thank you! I will definitely do!

All best,

Photo of Usman Javaid

This is so interesting. Can you tell me more about your repayment rates and application criteria for meso loans? (I would be very interested to track your progress however I have noticed you don't have a social media presence)

Photo of Niels Boertje

Thanx. Of course. We are still experimenting and I believe that the next years it will be times of continuously re-designing the model. The advantage is that through hybrid financing we create the opportunity to do so.
Regarding the repayment conditions: this should Always fit with the type of business that will be invested in. For water purification plants the total project implementation will take three year. Within these three year the community is able to repay 100%. There is a 4% interest rate on the loan to cover operational costs on the ground. Other implementation costs are included in the total loan amount. The community pays in the first 6-12 months minimal because of development of the business, and maximum in the final 12 months.

The community contributes financially before the start with a 3-5% of the total sum. Other application criteria: An Activity Based Costing model showing the potentials of the business, a is proven track record of the community showing certain levels of community participation, f.e. through long-term well-functioning SHGs, poverty status, etc. And, at the starting phase we are also selecting on the location and market access, because it will increase the success of the project during this phase. 

Does this give you some valuable insights?

Photo of Niels Boertje

We are working on social media ;-).
We can connect through LinkedIn for now. I can update you personally.

Photo of Usman Javaid

Thats pretty cool. We are also using social collateral to ensure payment recovery now. well seems quite interesting. Good luck with it.

Photo of Niels Boertje

Thanx! Social collateral is key!

Photo of S3IDF

This is a great idea - we absolutely agree that innovative finance like the use of revolving funds is a critical mechanism to catalyze necessary change. Keep up the great work!

Photo of Niels Boertje

Thank you for your inspiring comment! Great to hear about your work and organization. Good work! Are you interested to stay in contact?