Just Add Water: Simplicity of Microloans Has the Potential to Bring Clean Water to Millions in Need

By: Joy Marini, Director of Corporate Contributions for Johnson & Johnson, Maternal and Child Health

water-w-text.gifThis weekend, l was hiking with my daughter in Thompson Park in New Jersey when we came upon a spigot from a natural spring. The water was fresh and ice cold. It was a perfect break from our brisk walk on a warm, early Spring day. 

The signs at the spigot read, “Consume at your own risk” (although people have been drinking from this spring for decades) and “Families please take no more than eight gallons if people are waiting in line.” If you’re a hiker or a camper, bottling eight gallons does not seem all that extraordinary. But – for families living in a country where water is scarce or polluted by human waste, this is an unimaginable luxury.

Consider for a moment that the water we use in a five-minute shower is more than one person living in a slum in a developing country uses in an entire day – and you realize how precious this resource is.

I have walked the dusty paths in Kenya where, many local women and girls travel up to six hours each day just to get water for their families, wait in line and return home. The trip is arduous through rural and desolate land… and the paths are fraught with danger, including the risk of being raped. To avoid this and other threats in some locations, families opt to pay inflated rates to a “Water Mafia” who might charge as much as a quarter of a day’s wages to fill a single gallon jug with what could be a contaminated product.

A lack of clean water has a ripple effect – compromising the health, safety, prosperity of women, children, and families each day. The facts speak for themselves:

  • Roughly one in eight people worldwide does not have access to safe water.
  • Every 20 seconds, a child dies from a water-related disease. 

During this World Water Day, I would like to celebrate the innovative and integrated approach that is using to expand access to safe drinking water, basic sanitation, and hygiene education. Through WaterCredit microloans, families can tap into the credit needed to buy household water connections, toilets, sinks, tubewells, and rainwater harvesting equipment.

Over the last three years, Johnson & Johnson has worked with to provide safe water and improve sanitation in the urban slums of Dhaka, Bangladesh. Before this work began, approximately 85 percent of the residents did not have access to water and nearly 40 percent did not have a toilet. As of February, has reached more than 1,100 households – approximately 6,400 people. WaterCredits have been empowered thousands of people – most often women – to immediately address their families’ needs – and protect their children’s health. is working in hundreds of communities across Africa, Asia, and Central America. Every project is community operated and self-sustaining. As WaterCredits continue to expand, we could be witnessing a watershed moment in global health and development. Our partnership is but a drop of bucket of what is needed but through collaboration we are fostering a model that others might follow.

photo courtesy of

Entry Comments

    • Mar 23
    • .(JavaScript must be enabled to view this email address)

    My 10 yr old daughter has recently taken the cause of clean water for all as her cause.  She raised $200 for in one weekend by doing yard work and odd jobs for neighbors.  Sofie is on her way to building a well in Africa.
    Thanks, Joy for all you do for the women of the world!

    • Mar 23
    • .(JavaScript must be enabled to view this email address)

    Dear Joy,
      I had no idea that you and J&J were working for clean water. I have been researching ways to provide pure water for some time. I first came upon the SODIS method in National Geographic and was really impressed with the results but I later came across information about the Sawyer filter at about $60 it will filter 1 million gallons of water providing parasite and bacteria free water. However, both of these methods depend on an adequate supply of water which, I realize, is not available in many areas of the world. I hope to take some Sawyer Filters to Panama this summer where most illness can ultimately be attributed to poluted water. I wish you much success in your pure water projects. P.Lamar Hamilton

  1. Working at a project in Kenya that struggles with these water issues on a daily basis, the importance of these types of initiatives becomes very clear and the impact they have can’t be overstated.  Its so hard for people to live without clean water. Its a great thing you’re doing.  Best of luck with the continuing project!

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