Microcredit for water supply and sanitation is the application of microcredit to provide loans to small enterprises and households in order to increase access to an improved water source and sanitation in developing countries. While most investments in water supply and sanitation infrastructure are financed by the public sector, current investment levels are insufficient to achieve universal access. Commercial credit to public utilities is limited by low tariffs and insufficient cost recovery. Microcredits are a complementary or alternative approach to allow the poor to gain access to water supply and sanitation Funding is either provided to small-scale independent water providers who generate an income stream from selling water or to households in order to finance house connections, plum