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Difference between revisions of "Semantic Sandbox"

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<center>[[File:Icon HE 1.png|420px|link=]]</center>
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<div class="width-1-3 header-text-large">
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<div class="">
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= '''Humanitarian  Energy      Knowledge Hub'''=
  
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= Off-grid energy Companies and Financial Institutions - Need for Collaboration =
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<svgmap width="100%" color="#79d248" align="right" "=""></svgmap>
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This hub is a one-stop destination for anyone interested in the humanitarian energy nexus. It consolidates, manages and links the latest information and knowledge from the sector. This hub is also a living knowledge product and is continuously updated.
 +
'''Want to share your "knowledge, news or resources" on this portal, share them with us at [mailto:info@energypedia.info info@energypedia.info].'''
  
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= Introduction =
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<div class="width-1-3 box box-green">
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=== Background on Energy in Displacement Settings ===
  
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Off-grid energy companies (OCEs) in this article refers to those companies in Africa that sell solar energy systems based on [[Fee-For-Service or Pay-As-You-Go Concepts for Photovoltaic Systems|PAYG model]]. These are the fastest growing companies with an average of 500 customers per day.
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*[[Energy Access for Refugees|The role of energy in humanitarian settings]]
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* Country-specific information on energy in displacement settings
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* Uses of energy in displacement settings (households, businesses, communities)
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* IASC matrix
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* Introduction to HE stakeholders
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*[[:Category:Humanitarian Energy|All articles related to humanitarian-energy on energypedia]]
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</div>
  
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= Challenges for OECs and Role of Financial Institutions =
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<div class="width-1-3 box box-green">
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=== Key Data Resources ===
  
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== Comparison of resources of oecs and financial institutions ==
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* GPA Power BI tool
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*[https://dtm.iom.int/ Displacement Tracking Matrix]
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* UNHCR operations portal
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* Energy access map (IEA and World Bank)
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*[https://data.humdata.org/organization/moving-energy-initiative OCHA -  Humanitarian Data Exchange]
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</div>
  
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{| border="0" cellspacing="1" cellpadding="5" style="width: 100%;"
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<div class="width-1-3 box box-green">
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|-
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=== Market Based Case Studies and Lessons Learned ===
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| <br/>
 
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| style="background-color: rgb(79,129,189)" | <span style="color: rgb(255,255,255)">'''OECs'''</span>
 
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| style="background-color: rgb(79,129,189)" | <span style="color: rgb(255,255,255)">'''Financial Institution'''</span>
 
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|-
 
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| rowspan="6" style="background-color: rgb(219,229,241)" | '''Assets'''
 
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| style="width: 106px;" | Agent network
 
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| style="width: 324px;" | Branch network
 
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|-
 
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| rowspan="1" colspan="2" style="text-align: center; width: 530px;" | IT system for account management<br/>
 
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|-
 
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| rowspan="1" colspan="2" style="text-align: center; width: 530px;" | customer relationship<br/>
 
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|-
 
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| style="width: 324px;" | Cloud-based customer relation management (CRM) systems
 
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| style="width: 200px;" | banking expertise
 
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|-
 
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| style="width: 324px;" | Leverage over customers
 
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| style="width: 200px;" | credit assessment
 
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|-
 
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| style="width: 324px;" | <br/>
 
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| style="width: 200px;" | banking license
 
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|-
 
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| rowspan="3" style="background-color: rgb(219,229,241)" | '''Financial products'''
 
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| Loans
 
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|-
 
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| Saving accounts
 
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|
 
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|-
 
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| Money transfer services
 
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|
 
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|-
 
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| style="background-color: rgb(219,229,241)" | '''key strengths'''
 
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| Ability to reach lower-income populations at scale, profitably with financial services
 
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| Banking license and know -how
 
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|-
 
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| style="background-color: rgb(219,229,241)" | '''key weakness'''
 
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| banking license and know-how
 
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| Ability to reach lower-income populations at scale, profitably, with financial services
 
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|}
 
  
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== Large Portfolio of loans ==
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* Private Sector Enterprises for Refugees Energy (AMPERE)
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*[[Promoting Market Based Energy Access for Cooking and Lighting in Kakuma Refugee Camp|Market-based Energy Access Project (MBEA)]]
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*[[Publication - Assessment of Market-Driven Solutions for Energy Access in Refugee Settlements in Sub-Saharan Africa|Case Studies from Sub-Saharan Africa]]
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</div>
  
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Most of the OECs started out as energy system retailers but with PAYG model have amassed a large portfolio of loans. Managing these large portfolio of loans is outside their core competence and requires skilled financial capabilities. The loan also has to be refinanced. For example, if an installed system cost on average USD 150, then to reach 1 million consumers, the sector will have to raise around USD 150 million in consumer loans.
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<div class="width-1-3 box box-green">
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=== Tools for Planning HE Interventions ===
  
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will have to be raised in consumer loans and as the sector expands the amount in consumer loan will also increase.
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* GPA Power BI tool
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*[https://dtm.iom.int/ Displacement Tracking Matrix]
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* Energy access map (IEA and World Bank)
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</div>
  
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= Foreign exchange Risk =
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<div class="width-1-3 box box-green">
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=== Policies and Regulatory Environment ===
  
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Most of the consumer loan are in the local currency while the capital to finance OECs is raised in hard currency such as USD or Euro:> greater risk in the system
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* Energy policies
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*[https://dtm.iom.int/ Displacement Tracking Matrix]
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* Energy access map (IEA and World Bank)
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</div>
  
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= Lack of expertise to handle consumer loan portfolios =
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<div class="width-1-3 box box-green">
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===Product & Service            Providers===
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*[https://cleancooking.org/sector-directory/ Clean Cooking Alliance - sector directory]
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*[https://www.gogla.org/ GOGLA]
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*[https://data.verasol.org/ Verasol Product Database]
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*[[Private Sector Stakeholder Database|Private sector database on energypedia]]
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*[https://www.ungm.org/ UN Global Marketplace]
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</div>
  
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Potential of merging between oecs and financial institutions.
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</div>
  
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<br/>
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<div class="specials">
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==Highlights ==
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<div class="grid stretch-items">
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<div class="width-1-4 width-m-1-2 card">
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[[file:Icon-webinar.svg|center|105px|link=Humanitarian Energy Library]]
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[[Webinar Series: Sustainable Energy in Humanitarian Settings|Humanitarian Energy Webinar Series]]
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</div>
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<div class="width-1-4 width-m-1-2 card">
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[[file:icon-video-library.svg|center|100px|link=Humanitarian Energy Video Library]]
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[[Humanitarian Energy Video Library]]
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</div>
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<div class="width-1-4 width-m-1-2 card">
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[[file:Company database.svg|center|100px|link=Private_Sector_Stakeholder_Database]]
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[[Private Sector Stakeholder Database]]
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</div>
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<div class="width-1-4 width-m-1-2 card">
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[[file:icon-e-learning.svg|center|100px|link=E-Learning Modules]]
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E-Learning Modules
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</div>
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</div>
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</div>
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<div class="specials">
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==Latest Humanitarian Energy Publications==
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{{Boxpublications portal HE}}
  
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Oecs have ideal small loan delivery channel with highly automated, cashless accounting and significant leverage over the borrower. In a nutshell, they have the infrastructure in place to effectively manage small loans offered to a relatively remote and unknown customers.these factors also contribute to their high repayment rates as opposed to what the borrower's profile might suggest.
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</div>
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</div><!-- End .width-3-4 -->
  
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On the other hand they lack large scale funding at a reasonable cost and the abilities to manage a portfolio of loans.
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<div class="width-1-4">
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<div class="hidden-element">
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==Offers== <!-- Keep this for screenreaders -->
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</div>
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<div class="box offers">{{Boxnewsletter2}}</div> <!--This newsletter is not GPA. Go to the template and update it -->
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<div class="box offers">{{boxevents portal HE}}</div>
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<div class="box offers">{{boxopportunities}}</div>
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<div class="box offers">{{boxjobs}}</div>
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{{Connect_with_us}}
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</div>
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</div>
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{{HE Funding}}
  
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They offer to increase the Bank's customer base but it will depend on the bank's ability to profitable serve those customers or not.
 
  
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<br/>
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__NOTOC__
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__NOTITLE__
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__NOAUTHORLIST__
  
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= Financial Institutions =
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[[Category:Humanitarian Energy]]
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Financial institution in sub-saharan africa are classified by large loan size, high margin profile and low volume business which is the opposite of financial service to the base of the pyramid (BoP)
 
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<br/>
 
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<br/>
 
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= Reference =
 
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This article is based on the following publications
 

Latest revision as of 11:22, 4 August 2022

Icon HE 1.png

Humanitarian Energy Knowledge Hub

Simple World Map - Author: Al MacDonald Editor: Fritz Lekschas License: CC BY-SA 3.0 ID: ISO 3166-1 or "_[a-zA-Z]" if an ISO code is not available

This hub is a one-stop destination for anyone interested in the humanitarian energy nexus. It consolidates, manages and links the latest information and knowledge from the sector. This hub is also a living knowledge product and is continuously updated. Want to share your "knowledge, news or resources" on this portal, share them with us at info@energypedia.info.

Background on Energy in Displacement Settings

Key Data Resources

Market Based Case Studies and Lessons Learned

Tools for Planning HE Interventions

Policies and Regulatory Environment

Product & Service Providers

Highlights

Icon-webinar.svg

Humanitarian Energy Webinar Series

Icon-video-library.svg

Humanitarian Energy Video Library

Company database.svg

Private Sector Stakeholder Database

Icon-e-learning.svg

E-Learning Modules

Latest Humanitarian Energy Publications

add Add Publication segment All Publications

Offers

Connect With Us

Mail icon.svg energy@unitar.org
LinkedIn Logo.png Humanitarian Energy Practitioners Group
Logo Twitter.png GPA Twitter Page

GPA Newsletter

Programmes and initiatives

Opportunities

add Add Opportunity segment All Opportunities

Job offers

add Add Job segment All Jobs

In collaboration with

UNITAR ICRC Energypedia GIZ logos.png

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