Financial Inclusion Improves Sanitation and Health | FINISH Kenya


FINISH focuses on creating a conducive enabling environment for the scaled up uptake of sanitation systems through local-market-based approaches in various Kenyan counties. Its vision is to achieve improved health status in Kenya by sustainably expanding access to and demand for sanitation facilities through financial inclusion.

Demand for improved sanitation is stirred through sanitation marketing. For FINISH, this involves one-on-one and door-to-door marketing campaigns where households are educated on why they should upgrade their sanitation facilities, how they can cost effectively do this, and the accruing short- and long-term benefits of doing so. The sanitation marketer then links households to trained artisans for construction, the supplier for materials, and financial partners for sanitation loans where credit facilities are needed. Involvement of the government, through the Ministry of Health, has been engrained into the model, following WASTE’s Diamond Model, to ensure sustainability.

Learn more about our expertise in sanitation and faecal sludge management.

Our goals

Improve livelihood opportunities and increase health in marginalized communities

Employ a market-based approach to safely managed sanitation

Addressing both the supply and demand sides of sanitation market challenges to enable self-reliance.

Support to local financial institutions to develop sanitation loan products

Technical assistance via portfolio development support and trainings has helped encourage financial institutions to take up sanitation lending as part of their regular business.

Promote entrepreneurship to ensure sustainability

Over 100 sanitation enterprises assisted with capacity development, business support, and linkage to financial products and services.

Building blocks

Our activities

Main activities carried out to ensure a complete loop that leads to the increased uptake of sanitation systems includes:

  • Demand generation through the sanitation marketing approach.
  • Sanitation marketing training of community health volunteers, independent youth and other developmental professionals of all cadres (and institutionalisation through Amref University).
  • Training for artisans (masons) in permanent yet cost effective sanitation system construction (training of trainers).
  • Building public-private partnerships leverage grant funding through local microfinance institutions for sanitation loans and working with savings and credit cooperatives (SACCOS).
  • Local entrepreneur training for sanitation business development.
  • Liaison with local governments.
  • Piloting the safe reuse of human waste as a soil conditioner.


Sanitation impact realised

  • Open defecation free (ODF) Busia County
  • Cost of sanitation systems reduced by 35%
  • Over 840,000 people reached with sanitation marketing
  • At least 40,000 households with improved sanitation facilities


The development of the business side of the sanitation markets has been instrumental in building a platform to ensure activities will continue after the project closed. The successes of the FINISH Kenya project led to our scaled-up FINISH Mondial programme.

The FINISH Kenya project was active from 2013-18.

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This project was funded by the Netherlands Enterprise Agency (Rijksdienst voor Ondernemend Nederland, RVO)

With the following partners involved:

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Amref logo 6c00abd530
Download (1)
Sidian bank logo white152 1
Family bank logo 600px
Group 115
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