In order to respond to increasing housing need HFHT initiated partnerships with financial institutions so that one of the core competencies, being the financial service delivery, can be outsourced and delivered through a partnership network while HFHT focus on affordable construction services and community mobilization/development. HFHT services in these partnerships vary and combine such roles as: provider of variety of housing support services; promoter and capacity builder in housing microfinance, and facilitator to link and access to additional housing investment to promote housing microfinance as an advantageous product in the microfinance sector. Working with 4 leading financial institutions in country and 3 in CA region since 2011 more than 35,000 families improved their housing, more than 700 loan officers from the Partner Financial Institutions have been trained on construction technical assistance (non-financial services) to be able to better analyze, promote and deliver the housing finance products.

TA services provided

  1. Housing Microfinance and Housing Finance with IMON and Arvand.

March 2011 – 2015


  • Product development and improvement
  • CTA (construction technical assistance)Training for Los (loan officers)
  • CTA to families/clients
  • Monitoring of 10% of families served
  • Evaluation of project in collaboration with Area office
  • Market Research – for developing and implementing a scalable market-demand driven loan product, aimed at renovating of apartments/condominiums.
  • Development of educational materials aimed to clients and support in design and content of promotional materials;

  I I.        TA in collaboration with Frankfurt School of Business and Management through KFW Housing Finance investment to 4 leading Financial institutions: IMON, Arvand, Eskhata Bank, and FMFB.

             October 2014 – in progress

  • Product development and improvement
  • CTA and Energy efficiency Training for Los (loan officers) and ToT
  • Development of manuals to guide/support LOs to deliver housing loans;
  • Development of sophisticated budgeting tool – electronic construction calculator to support LOs in development and/or analyzing of construction/ home improvement estimations;
  • Electronic Construction Callculator (budgeting tool/software) training for LOs.
  • Monitoring




III.      TA to Eskhata Bank and FMFB.

          February 2016 – in progress

  • Development of construction and home-improvement related manuals/brochures aimed to support clients through provision of recommendation and instructions during the whole construction/home improvement cycle.
  • Development of customized manuals/brochures: “Energy efficiency”, “Earthquake safer construction”, “General construction”, “home repair and maintenance”, etc…

 I V.        HFHT started to serve as a regional hub for provision of Institutional Technical Assistance services (ITA) for HFHI partners, financial institutes in CIS countries like Azerbaijan, Kazakhstan and Kyrgyzstan

              October 2013 – in progress

  • Evaluation and demand assessment
  • Housing loan product development and/or improvement
  • Training of LO and staff
  • Support in hiring and orientation of construction consultant
  • Monitoring and mid-term and end of project evaluation
  • Development of educational materials aimed to clients and support in design and content of promotional materials;


  1. ADB: - Awareness-Raising and Training (especially of women) in support of the Access to Green Finance Project

March – September 2014


  • Need assessment
  • Awareness Raising – seminars, meetings
  • Trainings and ToTs for FIs LOs and Trainers, and CBOs (community based organizations)
  • Development and dissemination of customized Energy Efficiency guide (booklet)
  • Introduction, training, demonstration of new energy efficient and green energy facilities/products


Market research, Need Assessment and Feasibility studies conducted by HFHT

  1. Needs assessment/baseline survey in support of ADB “Access to Green Finance” project.


The main purpose of need assessment was to determine the general level of awareness and knowledge of energy issues, green energy and efficiency measures within target communities, women groups and women CBOs, and partners MFI clients. A household baseline survey was conducted in a sample of 993 rural and 50 urban households in eight districts namely Istaravshan, J.Rasulov, Spitamen, Asht and B.Gafurov of Sugd region in the north and Kurgantube, Kumsangir and Panj districts of Khatlon region in the south-west of the country, as well as in capital city of Dushanbe.


  1. Value Chain Analyzes for the Low-Income Housing Construction Sector in Sughd, Tajikistan


In 2015, Action for Enterprise (AFE) and HFHT began a market development program design exercise in the Sughd Province of Tajikistan. The objectives of this exercise included:


  • Orienting the local HFHT staff in the basic principles of market development, value chain analysis (VCA), and building sustainable programs to help Lead Firms (LFs) in the private sector implement market-based solutions (MBS) to address constraints in the low-income housing sector.
  • Conducting basic value chain analysis interviews with identified value chain (VC) actors in the Sughd Province low-income housing construction sector.
  • Identify LFs with whom HFHT could eventually collaborate to implement a market development program in the sector.


Interviews were conducted with different VC actors and LFs , as well as public and private support networks (state offices and financial institutions) involved in the Sughd Province construction sector. These involved importers and manufacturers of construction materials, local offices, two major local financial institutions, homeowners and loan grantees, as well as low-income housing professionals (foremen, masons, and roofers). The objectives of these interviews were to identify:


  • The major VC actors, especially potential LFs, engaged in the Sughd Province low-income construction value chain
  • The commercial relations among different VC actors and any services (including credit, training, etc.) offered by suppliers to buyers
  • The major VC constraints faced at each level by various actors and resultant MBS with existing/potential providers in the private sector.