‘वॉटरक्रेडिट’ के संदर्भ में, निम्नलिखित कथनों पर विचार कीजिए :
- 1.यह जल एवं स्वच्छता क्षेत्र में कार्य के लिए सूक्ष्म वित्त साधनों (माइक्रोफाइनेंस टूल्स) को लागू करता है।
- 2.यह एक वैश्विक पहल है जिसे विश्व स्वास्थ्य संगठन और विश्व बैंक के तत्त्वावधान में प्रारंभ किया गया है।
- 3.इसका उद्देश्य निर्धन व्यक्तियों को सहायिकी के बिना अपनी जल-संबंधी आवश्यकताओं को पूरा करने के लिए समर्थ बनाना है।
उपर्युक्त कथनों में से कौन-से सही हैं?
Read this question in English
With reference to 'WaterCredit', consider the following statements:
1. It puts microfinance tools to work in the water and sanitation sector.
2. It is a global initiative launched under the aegis of the World Health Organization and the World Bank.
3. It aims to enable the poor people to meet their water needs without depending on subsidies.
Which of the statements given above are correct?
(a) 1 and 2 only · (b) 2 and 3 only · (c) 1 and 3 only · (d) 1, 2 and 3
उत्तर और व्याख्या · explanation in English
Answer: (c) केवल 1 और 3
WaterCredit is a loan programme created by the non-profit Water.org, not by the WHO or the World Bank. It works with local lenders so that poor households can borrow small sums for a tap connection or toilet and repay over time, instead of waiting for subsidies or charity.
- ✓ 1. Water.org describes WaterCredit as the first programme to apply microfinance to water and sanitation, through partner financial institutions that add such loans to their offerings.
- ✗ 2. The initiative was created by Water.org, a non-governmental organisation; it is not a WHO or World Bank programme.
- ✓ 3. Its premise is that poor families already spend heavily on water and, given affordable credit, will pay for lasting household solutions themselves, a market-based route rather than a subsidy.
Remember · WaterCredit = Water.org's microloan model for household water and toilets; market-driven, repaid by borrowers, not a WHO/World Bank subsidy scheme.
Sources
- Water.org, WaterCredit Initiative ↗ · reference work “WaterCredit is a powerful solution and the first to put microfinance tools to work in the water and sanitation sector. … One of the major barriers to safe water and sanitation is affordable financing. We created the WaterCredit Initiative® loan program to address this barrier head-on. … millions of people living in poverty would finance long-term solutions versus struggle day-to-day to find that next liter of water.”
Question and answer: UPSC's official GS Paper I (2021, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 1 Oct 2026 (how we verify). ·