On—bill financing abroad
“On-bill Demand Side Management”, Sri Lanka
In order to address a power crisis in the 1990’s, CEB, the vertically integrated public utility of Sri Lanka, initiated a DSM programme for reducing energy demand and improving the system adequacy. Sri Lanka has a load profile characterised by a sharp evening peak due to electric lighting, often obtained with inefficient lighting systems. In a power system with scarce generating capacity, adjusting demand by, for example, using energy efficient lamps is fundamental. On the basis of this premise, CEB introduced a programme for substitution of lamps of its customers with energy-efficient Compact Fluorescent Lamps (CFLs). CEB developed a list of suitable lamp models and dealers and stipulated agreements with them in order to establish a network of verified suppliers. Final users could obtain lamps from one of the certified suppliers of their choice (maximum four lamps per user) and pay in 12 instalments directly charged on their electricity bill. On the contrary, the supplier was paid directly by CEB.
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On—bill financing abroad
“Holland Energy Fund” mechanism, USA
The goal of the Holland Energy Fund’s on-bill loan programme is to strengthen communities and neighbourhoods by encouraging deep energy savings, increasing access to efficiency measures and administratively operating in a cost-effective manner. The target is to refurbish a significant share of the 7,400 single houses in Holland. An energy audit is performed before the investment and installation is developed by qualified contractors.
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On—bill financing abroad
“Cambia tu viejo por uno nuevo”, Mexico
The programme “Cambia tu viejo por uno nuevo” (Replace your old one for a new one) was initiated in Mexico, with the aim to promote the upgrade from old inefficient electrical equipment to new efficient ones. In particular, the target is to substitute old refrigerators and air conditioning systems with more efficient devices. The programme was introduced by the Ministry of Energy and implemented by local financial institutions, namely the Trust for Saving Electricity and the National Developing Bank. The funds to support the programme were obtained from World Bank and the Inter-American Development Bank. Provided that they have no debt for default of utility bill payments, final users can benefit of the programme through an on-bill scheme, accessing the funds for substituting their devices and then repay them through their bills.
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On—bill financing abroad
“DELP Programme”, India
The DELP programme was launched by electricity distribution company in the area of New Delhi and Rajasthan. It is an initiative aiming at supporting the substitution of low efficiency lamps with high efficiency LED lamps. Financial support to residential customers to overcome the barrier related to upfront costs is provided by the company, which gets reimbursed on-bill by the final users. The financial resources for the implementation of the programme are provided by Energy Efficiency Services Limited (EESL), which is a governmental company providing energy efficiency services. Power utilities only act as reimbursement vehicle by collecting payments on the bill.
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On—bill financing abroad
Manitoba Hydro Power Smart Residential Loan Programme, Canada
Manitoba Hydro offers its residential customers Pay-as-You-Save (PAYS) financing for eligible energy efficiency upgrades, notably space heating, insulation, and water heating equipment. Monthly payments are added to the utility bill and are transferable to the next homeowner. The programme was developed in Canada.
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On—bill financing abroad
Home Energy Loan Programme (HELP) , Canada
The Home Energy Loan Programme (HELP) is a loan service available through the City of Penticton for eligible energy efficiency upgrades made by City of Penticton residents that own and occupy their own homes. HELP is repaid by the customer through monthly payments on their City of Penticton utility bill.
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On—bill financing abroad
Green Deal, UK
In 2009 the Green Deal was the first on-bill programme introduced in Europe. After a testing phase which lasted from November 2009 to July 2011, the mechanism was officially launched on the market in 2013.The Green Deal programme was based on the Pay as You Save (PAYS) mechanism, but with a number of differences, in particular related to the application of the Golden Rule, which does not allow that repayments are greater than the savings. The structure of the Green Deal is that of an OBR programme, where funding is obtained by third parties (e.g. financial institutions) and utility bills are used to collect the repayments. It failed due to a set of complexities that affected the programme since its beginning
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On—bill financing abroad
Sunshine, Latvia
It is a relatively new mechanism conceived to support the necessary massive refurbishment of the Latvian building stock, which was mostly built during the Soviet period with poor energy standards. The programme is run on the basis of a cooperation between an ESCO and a fund which finances the interventions. The fund is represented by ERDF, an institutional EU fund, therefore the public intervention assumes relevant importance. The interventions have the aim to reduce the residential energy consumption, but also to improve the home comfort for the people, therefore it also addresses “non-energy benefits” connected with energy refurbishment interventions.
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On—bill financing abroad
“PROSOL Programme”, Tunisia
The aim of the PROSOL programme is to develop a durable label which could group all the incentives for the implementation of thermal solar energy systems. The programme is implemented through a cooperation between the Tunisian Electricity and Natural Gas Company (STEG) and Attijari Bank, one of the most important banks of the country. The bank guaranteed the financing for PROSOL of EUR 64 million in the period 2007-2012 and invested other 60 M€ in 2016. The interest rates were always lower than 7%.The residential mechanism is structured as an on-bill scheme. In particular, an on-bill repayment system is implemented where the Attijari Bank finances the investments which are first evaluated by external suppliers (about 50 suppliers are present in the country) and then validated by STEG. Data related to adhesion to PROSOL are also submitted to the National Agency for Energy Management (ANME). Once all the validations are completed, the interventions are implemented, and the supplier is paid by the bank. Then the final users start to pay back the investment through the bills emitted by STEG which in turn collects the repayments for Attijari Bank
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On—bill financing abroad
Nelson Hydro - EcoSave, Canada
The EcoSave Energy Retrofits Programmein Canada has been established as one of the key strategies for the City of Nelsons Low Carbon Path to 2040. The EcoSave programme has been designed for Nelson Hydro (a City of Nelson owned and operated utility) customers, who are homeowners, to have a home energy evaluation to determine what energy efficiency upgrades (retrofits) can be done, and to access current rebate offers complete with an on-bill financing option.
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On—bill financing abroad
“Energy Efficiency Loan Programme” of the City of Tallahassee, USA
The City of Tallahassee Utility (Florida) has been running a successful on-bill financing programme since 1983. The programme has enabled the municipal utility’s customers to perform energy efficiency retrofits and other energy projects to their homes with no up-front costs.
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On—bill financing abroad
“How$martKY Energy Efficiency for Everyone” mechanism, USA
In 2010, the Mountain Association for Community Economic Development (MACED) launched a pilot financing programme for energy efficiency: How$martKY, available for members of four electric cooperatives in Kentucky. The programme was made permanent in 2013. It was inspired by the Kansas How$mart programme. Like the Kansas scheme, it is an on-bill tariff programme that is tied to a customer’s meter.
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On—bill financing abroad
“Energy Efficiency Loan Programme” mechanism, USA
EWEB, a municipal utility, offers a wide range of loan programmes for residential or business customers. The first pilot programme was launched in 1990 to test costumers’ interests, in 1992 a residential programme was initiated and in 1995 the programme was fully approved and expanded to business customers and residential multi-family buildings. Currently, the company offers zero interest loans up to USD 20,000 for residential users and interesting bearing loans, with 4% interest, for business customers.
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On—bill financing abroad
“Upgrade to Save” mechanism, USA
'Upgrade to Save' allows Roanoke Electric Cooperative members to realise energy efficiency improvements to their home, such as weatherization or more efficient heating and cooling systems, with no upfront costs. The resident then repays the cost of the improvements to the cooperative through a new charge on their bill, which is more than offset by the amount they save because of the improvements.
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On—bill financing abroad
“EPIC financing” mechanism, USA
EPIC financing program helps rental and owner-occupied property owners invest in energy-efficiency improvements through an easy, streamlined “assessment-to-upgrade” process. This includes flexible term loans and low-interest rates. EPIC loans are repaid on the owner’s Fort Collins Utilities monthly service bill.
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On—bill financing abroad
“HES Payment Plan (Micro Loan)” mechanism, USA
The HES Payment Plan Loan provides low-cost financing for energy efficiency improvements. The objective is to reduce household energy costs while maintaining healthy, efficient, and comfortable homes.
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On—bill financing abroad
“How$mart” mechanism, USA
The customers participating to the How$mart program must start with an energy audit to determine potential savings. Midwest Energy then develops a conservation plan with recommended improvements. Customers may choose the contractor to complete the work, but landlords and tenants must be in agreement to participate.
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On—bill financing abroad
“Help My House” mechanism, USA
It was led by Central Electric Power Cooperative (CEPC) and The Electric Cooperatives of South Carolina (ECSC), a trade organization representing the cooperatives. The individual participating cooperatives identified and screened participants, choosing single-family homes with high annual electricity use, implemented an energy audit and supervised the refurbishment works.
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