in vietnam the world bank and the governments of finland and denmark provided seed money for a revolving fund for household sanitation investments however when the revolving funds are organised with external seed financing to provide initial working capital at subsidised rates and the support of an established mfi such as in the example in vietnam they appear to be an effective way of leveraging private finance household investment in onsite sanitation in that case according to mehta experience with this market segment is limited and has not gone beyond a few pilot projects a credit scheme was elaborated via six domestic microfinance institutions it was foreseen that at least two households from a given area would be allowed to contract a loan for new water investments either a usd loan for a shallow borehole or a usd loan for a rainwater harvesting tank