The Indonesian cooperative bank, TLM Cooperative, sought to modernize its operations and transition to a new core banking system (CBS). The CBS would allow TLM to enhance its operational efficiency and align with regulatory standards. MSC helped TLM successfully transition to the new CBS. We ensured a smooth migration from the legacy system and robust functionality to meet operational requirements. We also improved regulatory compliance and expanded digital banking services for more than 3.5 million customers.

MSC conducted a digital readiness assessment, identified gaps, and provided end-to-end support in the implementation process. We provided strategic guidance for TLM to select and implement the most suitable CBS solution. We ensured alignment with regulatory standards and business objectives. We facilitated the integration of AI-powered credit underwriting tools and automated loan workflows into the CBS to strengthen credit decision-making and risk management. Additionally, we helped the TLM team manage system migration, staff training, and vendor coordination, which ensured a smooth transition with minimal operational disruption.

The CBS implementation has enhanced transaction speed and regulatory compliance and strengthened TLM’s digital banking capabilities. By modernizing its financial infrastructure, TLM is now better equipped to offer more inclusive digital credit products, streamline loan processing, and expand services to more than 0.3 million underserved population.

Opportunity International Australia (OIA) commissioned the project.

Water.org’s WaterCredit and WaterCredit Adoption programs seek to scale water, sanitation, and hygiene (WASH) lending through financial institutions. However, limited access to capital remains a key constraint. While investors show interest in the sector, many lack the expertise, experience, and tools to engage effectively in WASH financing. 

Water.org partnered with MSC to convene a WASH financing workshop in Bangladesh to address the issue. The workshop brought together capital providers, investors, government officials, and financial institutions. It explored the viability of WASH investments and discussed sector challenges. It also shared success stories from India and other global markets, and identified actionable strategies to improve capital flow into the sector. 

The workshop led to major outcomes, which included a memorandum of understanding between Water.org and BRAC Bank. They would commit more than BDT 350 crore (approximately USD 30 million) toward expanding water and sanitation finance in Bangladesh.  

Water.org commissioned this project.  

India’s water, sanitation, and hygiene innovation landscape faces systemic barriers that hinder improvement. Some barriers include unfavorable policy environments, limited funding, handholding, and adoption support for innovators. These challenges discourage local governments from implementing solutions and constrain the impact of new startups. 

MSC collaborated with Villgro and consulted startups from the Swachhta Startup Challenge to address this sanitation issue. The Swachhta challenge receives support from the Agence Française de Développement, the Ministry of Housing and Urban Affairs, urban local bodies, investors, and ecosystem partners. The team assessed supply- and demand-side barriers and reviewed past and current government initiatives and policies. 

MSC developed a guidance note and strategic framework based on these insights to help local governments adopt scalable WASH innovations. The framework recommends actionable solutions, such as sustainable funding models, streamlined procurement processes, and support mechanisms. These would improve innovation uptake and strengthen urban infrastructure. 

Villgro Innovations commissioned this project.  

Many sanitation facilities in Odisha remain non-functional despite near-universal toilet access in schools. This is because of poor maintenance, limited financing, and a lack of accountability. These adverse conditions negatively impact hygiene, attendance, and education, especially girls’ education. 

MSC assessed operation, maintenance practices, and financing systems for school sanitation in Sambalpur and Deogarh. The study identified critical gaps in policy, funding, and implementation. It also examined relevant business models and best practices. 

Key outcomes of the study included the introduction of sanitation warrior committees for local accountability. These would also ensure the development of a go-to-market strategy to scale sustainable solutions across schools and districts. The study emphasized the need for innovative financing, stronger enforcement, and multi-stakeholder collaboration to ensure long-term impact. 

Water.org commissioned this project. 

Access to finance remains a major barrier for water supply and sanitation (WSS) micro, small, and medium enterprises (MSMEs) in Vietnam. This limits their ability to scale operations and improve service delivery. Despite rising demand for clean water and sanitation services, these businesses face significant challenges, such as limited credit histories, a lack of tailored financial products, and unclear bankability criteria. These challenges restrict their access to formal financing. 

MSC conducted a qualitative market study to address this. We sought to identify financing gaps and explore ways to enhance financial institutions’ engagement with the WSS sector. The study included interviews with 14 financial institutions and 15 WSS-focused MSMEs across urban and rural regions. It mapped the current lending landscape, assessed financing needs, and analysed stakeholder perceptions and practices. 

We conducted in-depth market research to evaluate MSMEs’ borrowing behavior, operational models, financial constraints, and readiness for credit. These insights helped shape targeted strategies to unlock financing. Some strategies included product design, capacity building for lenders, blended finance opportunities, and regulatory guidance to improve MSME bankability. 

The findings enabled Water.org to understand the WSS financing ecosystem in Vietnam better. The organization developed a six-point action plan. The plan recommended actions to strengthen partnerships with government stakeholders, organize a national forum, and form a local implementation team. It also highlighted how to engage financial institutions, assess financial product viability, and explore blended finance solutions. 

Water.org commissioned this project. 

Access to safe sanitation in high-traffic urban and peri-urban areas has been especially limited for women, transgender individuals, and female traffic personnel. Marginalized groups also lacked structured training and dignified livelihoods in the sanitation sector. 

MSC designed and implemented high-impact water, sanitation, and hygiene (WASH) and gender-inclusive initiatives. We introduced Pink Toilets, which are inclusive public facilities with dedicated transgender units, baby care amenities, and rest areas for female traffic officers. A self-sustaining operations and maintenance model was developed with women-led self-help groups and urban local bodies. FARMER and the Indian Railway Finance Corporation’s corporate social funding also financed the project and integrated it into state policy frameworks. 

We anchored the establishment of Bihar Swachhta Sansthan, a first-of-its-kind sanitation training college with support from the World Toilet Organization. 20 Pink Toilets were approved across major cities. These created livelihood opportunities for women-led self-help groups and strengthened Bihar’s urban sanitation ecosystem. The inclusive WASH model for highways received in-principle funding from the Asian Development Bank and secured inter-departmental alignment for future rollout. 

The Gates Foundation, on behalf of the Government of Bihar, commissioned this project.