Please indicate any innovations in your microfinance program planned for the coming year:
In the following period, Partner will maintain the existing target population, including economically active micro entrepreneurs and households with difficult or no access to the commercial banks. Beside business start up loans or loans for spreading of businesses, Partner intends to continue to offer the clients loans for use of alternative energy sources and household energy efficiency improvement. This decision is based on the fact that micro enterprises in BiH use outdated or used equipment, while families mainly live in houses or apartments without appropriate insulation of heating/cooling system (over 80% of buildings in BiH). The majority of used energy in households goes for heating and lights.
The level of energy consumption indicates the living standard, so it may be used as the indicator that some BiH citizens live below the poverty line. Low income populations use less energy than what is needed to meet their basic needs. The usage of wood for heating is very common in BiH, particularly in poor households. Energy used by households and the commercial sector is used (mostly) for heating (heating and the treatment of water and cooking), lights as well as electrical appliances and equipment.
 Strategic plan and programme for development of energy sector of the Federation of Bosnia and Herzegovina, Ministry of energy, mining and industry of the Federation of Bosnia and Herzegovina and expert group, 2008.