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sanitation microfinance sanitation as a business world toilet day school toilets urban ngos mfis tanzania dar es salaam development bank financing india iwa water congress kfw eib afd investment banks wateraid sanitation economics share public intervention kampala dakar accra enterprise faecal sludge treatment end-use re-use fsm fame faecal sludge management 2014 finish waste mfi financial inclusion wash loan for water tanks equity bank water.og