Dutch Ministry of Foreign Affairs/ DGIS
Project start: 
Project end: 

Financial INclusion Improves Sanitation and Health (FINISH)

<p>FINISH aims for sanitation for all through an integrated model that addresses both the demand and supply side of the sanitation challenge in India.</p>


What we do

FINISH stands for Financial INclusion Improves Sanitation and Health. FINISH aims for sanitation for all through an integrated model that addresses both the demand and supply side of the sanitation challenge in India. The programme works with a multistakeholder approach which involves the entire value chain. By mobilising the supply side of sanitation while integrating financial resources into the value chain, it raises awareness on and creates a demand for sanitation services amongst end-users. This includes improving quality and safety of sanitation services, reducing the price of these services and ensuring proper disposal of the waste produced. The programme aspires to deliver improved sanitation systems for 500,000 households in various Indian states. FINISH is a joint venture of TATA–AIG, SNS-REAAL, UNU-MERIT and WASTE.

How we do it

We use our Diamond approach to connect all the stakeholders:  

  1. Households and end users that demand sanitation services, which is created through behavioural change communications (BCC) using videos and other audiovisualmaterials.
  2. Businesses that are supported and have been trained to build safe and affordable toilets, provide raw materials and supplies, and turn waste into high quality products, such as nutrients, biogas and fertilisers.
  3. Financial institutions that improve access to financial services and resources, including credit and micro-insurance for households and entrepreneurs.
  4. Governments that receive support to create an enabling environment, while making sure that service providers adhere to government sanitation standards, and that subsidies reach those who have no access to sanitation services

In 2010 the project partners set up the non-profit FINISH society.  FINISH society was established to secure and manage the assets of the programme, such as the relationships, knowledge and network built up by the partners.


We want to build value chains in waste and sanitation that reach scale without external funding. Therefore, in addition to managing the assets built up in the programme and enabling the programme to run independently, FINISH Society established a social enterprise: the FINISH Services and Management Company (FSMC). FSMC aggregates household demand for sanitation
and translates this into bulk purchases of material and actual construction. Large parts of the proceedings of this organisation directly flow back into FINISH Society to carry on activities for  raising awareness and demanding construction of sanitation in the communities. This safeguards the sustainability of the programme in India.


The results after the first 5 years of the programme are:

  • Improved sanitation: every three minutes, a toilet is constructed and ready for use. In only five years, 300,000 of our total objective of 500,000 toilets were built.
  • Local business development: over 3,000 jobs were created, which also stimulates women's empowerment  as many new job opportunities are traditional women’s jobs
  • Sanitation densities: more than 75% sanitation density was reached in 717 villages in different states in India.
  • Financial inclusion: between 10 - 20 times leverage grant funding was reached. This means that for every euro that was funded by the Dutch government, 20 euro is generated locally. In the last 5 years, a total amount of 38 million euro was generated locally.
  • Development of a sanitation value chain: over 10 tonnes of human waste has been converted into marketable compost. In addition,over 1,000 toilet-linked biogas units have been constructed. As a result, cattle owning households no longer require firewood for cooking.