I am very impressed with your passion which shows through so clearly in your submission here. One question that remains in my mind is that the model of microfinance in my understanding was to provide loans so that women could start small business.. thereby creating enough money to pay back the loan. A microcredit or microfinance loan given for sanitation requires the woman to create the payback money in some way.. clearly a toilet does not make her money. This seems to be a stumbling block for this model. However if the government sanitation money for toilets is accessed - Rs12,000 that money is only paid after the toilet is built - so microfinance could be used as a type of bridging loan between the building and the subsidy coming from the government. I would be very interested on your thoughts regarding this. Also you may be interested in forming some collaboration with the Sankalpa Rural Development Society who are doing rain water harvesting through bore well recharge - see their submission to the challenge - as they can help make sure there is water available for the toilet needs. Best wishes to you and your work.