Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1

Report 2017/23

Sofie Skjeflo, Tran Huu Tuan, Tran Van Giai Phong, Tran Tuan Anh, Haakon Vennemo, Nina Bruvik Westberg og Jens Furuholmen

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1

Category	Reports
Sub-Categories	EvaluationDevelopment CooperationClimate change and the green transformationEiendom, bygg og anlegg
Year	2017
Report Number	23
Author(s)	Sofie Skjeflo Tran Huu Tuan Tran Van Giai Phong Tran Tuan Anh Haakon Vennemo Nina Bruvik Westberg Jens Furuholmen
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REPORT 2017/23 Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Sofie Waage Skjeflo, Tran Huu Tuan, Tran Van Giai Phong, Tran Tuan Anh, Haakon Vennemo, Nina Bruvik Westberg and Jens Furuholmen VISTA ANALYSE AS For The Nordic Development Fund

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Document Details Vista Analyse AS Report number 2017/23 Report title Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 ISBN 978-82-8126-338-3 Authors Sofie Waage Skjeflo, Tran Huu Tuan, Tran Van Giai Phong, Tran Tuan Anh, Haakon Vennemo, Nina Bruvik Westberg and Jens Furuholmen Date of completion 15.09.2017 Project Manager Sofie Waage Skjeflo Quality Assurance John M Skjelvik Client For The Nordic Development Fund Availability Public Published www.vista-analyse.no Key words Climate adaptation, resilience, housing, incentives, poverty, Vietnam

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 1 Preface The project “Implementing incentives for climate resilient housing among the urban poor in Vietnam” is funded by the Nordic Development Fund and implemented by Vista Analysis in cooperation with ISET Vietnam, Hue College of Economics at Hue University, and Women’s Union of Danang, Vietnam. The project started in late April 2016 and is scheduled to run to late October, 2018. This is a monitoring report covering the first round of disbursement of financial incentives for climate resilient housing in Da Nang City. We describe the implementation of the project, from selection of households for each incentive package, to the current status of house construction and retrofitting, the disbursement of financial incentives, and preliminary results based on the take-up of incentives and the characteristics of households based on the data from a baseline survey carried out in December 2016 to February 2017. Finally, we present the plant for disbursement of the second and final round of disbursement of incentives. Project Manager Sofie Waage Skjeflo Vista Analyse AS

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 3 Content Preface .......................................................................................................................... 1 1. Introduction ............................................................................................................ 5 2. Selection of eligible households .......................................................................... 7 3. Baseline survey and selection into treatment and control groups ................. 10 4. Implementing the incentive packages ............................................................... 14 4.1 Technical design and training local builders ................................................ 14 4.2 Disbursement of loans and grants ............................................................... 17 4.3 Final take-up, progress of construction and financing ................................. 18 4.4 Characteristics of households accepting and rejecting packages ............... 21 5. Plan for implementation for final households .................................................. 24 ANNEX 1. Information brochure to households in package 1 ............................... 26 ANNEX 2: Updated work-plan ................................................................................... 27 References .................................................................................................................. 44 Figures Figure 3.1 Map of Da Nang City with wards assigned to package 1, package 2 and control ........................................................................................................................... 10 Figure 4.1 Excerpts from the technical manuals .......................................................... 15 Figure 4.2 Photos from housing construction and WU-meeting in Da Nang ................ 16 Figure 4.3 A house under construction ........................................................................ 17 Tables Table 2.1 Contents of incentive packages ..................................................................... 7 Table 3.1 Baseline means: household composition, income and asset ownership ..... 11 Table 3.2 Baseline means: housing conditions ............................................................ 13 Table 4.1 Reasons for households quitting the program .............................................. 18 Table 4.2 Status for households in the project ............................................................. 19

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 4 Vista Analyse Table 4.3 Types of housing improvements .................................................................. 20 Table 4.4 Total costs of construction (mill. VND) and sources of financing, ................ 21 Table 4.5 Differences between households that accepted and rejected: household composition, income and asset ownership ................................................................... 22 Table 4.6 Differences between households that accepted and rejected: housing ....... 23

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 5 1. Introduction This report gives a detailed presentation of the activities that have been carried out during the third reporting period of the project “Implementing incentives for climate resilient housing among the urban poor in Vietnam”. In the first reporting period of the project, we carried out detailed research on the housing market and poor households in Da Nang, with the purpose of identifying the main barriers that prevent households from investing in climate resilient housing. The results are shown in the Inception report (Vista Analyse, 2016 a). In the second milestone, three different incentive mechanisms, consisting of combinations of information, technical assistance and financial incentives, were designed. In this part of the project, we also designed a plan for rigorously assessing the impact of two of the incentive packages, by allocating incentives to households through a randomized controlled trial. A large baseline survey of 306 near-poor households in Da Nang was designed and carried out. The incentive mechanisms, the plan for monitoring and evaluation, and the questionnaire for the survey are shown in the Incentive mechanisms report (Vista Analyse, 2016 b). In this reporting period, the plans that are described in the two previous reports have been implemented. In the period from January 2017 to September 2017, selected households have been offered free professional technical assistance to retrofit or rebuild their homes to become storm resistant. They have been offered either a microloan through the Women’s Union of Da Nang’s revolving fund, a grant, or a combination of the two, to co-finance their building costs. The implementation of the project has been led by the Women’s Union of Da Nang at the city level, and supported by Women’s Union representatives at the district- and ward level.1 In addition to the communication between the Women’s Union representatives and each of the households that take part in the project, a number of information events have been organized by the Women’s Union to educate local builders, to inform district- and ward leaders, and to ensure local support. This report starts by describing the process through which households were selected and offered each of the incentive packages. Two of the incentive packages are targeted to near-poor households that have the income generating capacity to operate a small loan. The third incentive package is targeted to poor households that cannot operate a loan, and rely on a grant as well as co-funding from other sources, to finance their construction. Only the near-poor households were surveyed in the baseline survey, and we therefore currently have more detailed information about these households. The third chapter of this report describes the characteristics of the near-poor households that were nominated as eligible for the project, based on the results from the baseline survey, and the selection of households into “treatment” and “control” groups in the randomized controlled trial. Next, we describe how the incentive 1 Da Nang City consists of 8 districts and 56 wards and communes. Our project has relied on local Women’s Union representatives in 7 districts and 49 wards.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 6 Vista Analyse packages were communicated and offered to the households, the decisions of households to participate or not, and how the technical design team worked with the households that decided to retrofit or reconstruct their house. We then give an overview of the current status of construction, and show some preliminary results where we compare the characteristics of the households that accept and reject the incentive packages targeted at near-poor households. The implementation will continue in the next milestone, and the final chapter of the report describes the plans for implementation from now until April 2018 (Milestone 4).

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 7 2. Selection of eligible households Three incentive packages were designed in the previous reporting period of this project and presented in the incentive mechanisms report. As mentioned, two of the packages are targeted to near-poor households, while the third package is targeted to poor households without the income generating capacity to repay a loan. Table 2.1 summarizes the contents of each incentive package. Table 2.1 Contents of incentive packages (amounts in VND) Package 1 Package 2 Package 3 Loan size 30 000 000 20 000 000 Monthly interest 0.0075 0.0075 Repayment period (months) 40 40 Monthly loan payments by hhs 870 905 580 603 Technical assistance 1 000 000 1 000 000 1 000 000 Grant 10 000 000 25 000 000 Co-financing Cash and in-kind contributions by households Cash and in-kind contributions by households Matching funds from other donors, cash and in-kind contributions by households if possible All three packages supply technical assistance to the households, including technical designs of the new house or retrofit, and technical assistance by local architects and local builders trained through the program to ensure that the technical design is correctly implemented. Package 1 offers a loan of maximum 30 million VND (about 1100 Euros), at a monthly interest of 0.75 % (about 9 % per year) and a repayment period of 40 months. Package 2 offers a maximum of 20 million VND loan, but in addition, a 10 million VND grant. Package 3 does not contain any loan, since it is targeted at households that do not have the capacity to repay a loan, but rather offers a larger grant of on average 25 million VND. This package relies on contributions from other programs targeted at the poor to co-finance the construction costs, and all three packages rely heavily on cash and in-kind contributions by the households themselves. The total costs of house retrofitting or reconstruction are recorded as part of the monitoring and evaluation of the program, as are the sources of co-financing. As shown in chapter 4, the average cost of house retrofits is 50-59 million VND and the average cost of newly constructed houses is 68-80 million VND (the figures differ by package). The support from our program through loans and grants is thus between 35 % and 60 % of the total construction cost, and the grant component is between zero and 20 % for the near-poor households.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 8 Vista Analyse In the plan for implementation described in the Incentive mechanisms report, our intention was to disburse incentives and start construction for near-poor households only in this reporting period. Since the take-up for these packages was unknown, the number of poor households to be targeted in the next period of implementation (September 2017 to April 2018) would be determined by the remaining budget after disbursing incentives to households in package 1 and package 2. However, as pointed out by the Women’s Union, to ensure efficient and timely implementation of the project it was necessary to start administering technical designs, starting construction and disbursing grants for households in package 3 as early as possible. The number of households that can be reached in the next period of implementation is limited by the fact that September to November is typhoon season in Da Nang, and Vietnamese new year’s celebrations (Tet holiday) in February also limit the time available for construction. Since the impacts of incentive packages 1 and 2 are to be assessed through a randomized controlled trial, the method for nominating households for these two packages was different from the method for nominating poor households for package 3. In both cases, however, the Women’s Union used their network in the city to find households that were both on the city’s list of near-poor or poor households (depending on whether they were nominating to package 1, 2 or 3), and had a need for improving the storm resilience of their homes. In order to ensure that the same targeting criteria were used for nominating eligible households for package 1 and 2, instructions for nomination were distributed to the local Women’s Union representatives. This is important to make sure that households that are part of the randomized controlled trial are comparable, and to know as much as possible about what types of households the findings of the evaluation of impacts can be extended to. The WU were asked to compile a list of six near-poor households per ward that were eligible for participation in the program. The number six was chosen due to budgetary constraints. The final number of households per ward varies however, but totals 306 households. According to the targeting criteria, the households have: - Housing conditions vulnerable to climate risk, - Limited access to financial resources for strengthening climate resilience housing, - A stable job, but low income, - Some savings and the ability to mobilize labor force for their housing improvement, - Capacity for repayment, - Documents to prove land ownership. The near-poor households were approached, and asked whether they had a need for house retrofitting or reconstruction to ensure storm resilience, and with the wish to carry out such retrofitting or reconstruction starting from March 2017. Through this approach, 306 households were nominated from 49 wards. The characteristics of the households and the selection of households into package 1, package 2 and the control group, are further described in the next chapter. The households eligible for package 3 were also identified through the Women’s Union network. Here, the goal was to identify poor households with the need to improve the storm resilience of their homes, and who had access to matching funds from other programs targeted at poor households. The potentially eligible households were visited by the Women’s Union, who surveyed the conditions of their homes, their ownership

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 9 status and economic situation, and discussed the wishes of the households. A total of 41 households were nominated for package 3 during the first period of implementation.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 10 Vista Analyse 3. Baseline survey and selection into treatment and control groups The 306 near-poor households that were eligible for packages 1 and 2 were surveyed between late December 2016 and early February 2017. The survey instrument included modules on household composition as well as different conditions and issues that may affect or be affected by the housing investment. This includes modules on income, consumption, assets as well as past storm exposure and housing repairs, and a detailed recording of the present storm resilience of the house. The survey questionnaire is attached to the Inception report. Next, we selected which households would be offered package 1 and package 2 (the two “treatment groups”), and which households would serve as a control group. We used a random number generator to randomly select wards into three approximately equally sized groups. The randomization was stratified at the District level in order to ensure that each District would have households in each of the three groups, in line with the wishes of the Women’s Union. The stratification would also make the three groups of wards more comparable, since they would be more evenly distributed. Another option would have been to randomly select households rather than of wards, for each of the three groups. We chose to randomize and the ward level in order to avoid spill-over effects of information, but also to avoid conflicts between households. Since the microloan from the Women’s Union revolving fund includes participation in a savings group, it is also more practical to implement the project at the ward level rather than to individual households. 16 wards with a total of 106 households were selected for package 1, 17 wards with a total of 108 households were selected for package 2, and 16 wards with a total of 92 households were selected for the control group. The geographic distribution of the wards in the three groups is shown in Figure 3.1. Figure 3.1 Map of Da Nang City with wards assigned to package 1, package 2 and control

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 11 Table 3.1 reports data from the baseline survey for the households in the control group and the package 1 and package 2 groups. Table 3.1 Baseline means: household composition, income and asset ownership Control Treatment 1 Treatment 2 Female household head 0.554 0.538 0.481 (0.052) (0.049) (0.048) Age of household head 56.185 53.575 54.62 (1.440) (1.247) (1.313) Years of schooling 6.348 8.358 6.778 (0.457) (0.371) (0.387) Household size 4.793 4.028 4.444 (0.213) (0.137) (0.169) Monthly income (1000 VND) per person 1339.926 1658.638 1611.22 (64.339) (97.651) (97.716) Monthly expenditures (1000 VND) per person 898.882 630.789 974.61 (65.024) (53.710) (67.581) Owns motorbike 0.837 0.934 0.861 (0.039) (0.024) (0.033) Owns refrigerator 0.554 0.642 0.611 (0.052) (0.047) (0.047) Owns washing machine 0.207 0.358 0.296 (0.042) (0.047) (0.044) Owns air conditioner 0.000 0.075 0.009 (0.000) (0.026) (0.009) Owns telephone 0.022 0.019 0.009 (0.015) (0.013) (0.009) Owns TV 0.522 0.679 0.620 (0.052) (0.046) (0.047) Owns computer 0.022 0.075 0.009 (0.015) (0.026) (0.009) Owns gas stove 0.076 0.179 0.259 (0.028) (0.037) (0.042) Household member has a loan 0.620 0.462 0.463 (0.051) (0.049) (0.048) N 92 106 108 Note: Standard deviations are given in parentheses. Around half of the households are female-headed, in line with the WU’s targeting of women. The household heads are on average 54 years old, and have on average 6.5-8.5 years of education. The households consist on average of four to five people. Average monthly income per person is around 1340-1660 thousand VND per month, whereas average monthly expenditures per person vary between 630-970 thousand VND, depending on the treatment arm. Since it is very difficult to collect good data on

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 12 Vista Analyse household expenditures, and our data from the baseline survey shows large variability in expenditures, we believe that the monthly income data better reflects the economic conditions of the households. A larger share of households than expected have a loan from beforehand. Around 46 percent of the households in each of the three groups have a loan from beforehand, whereas the same applies for just over 60 percent of the households in the control group. These loans are primarily for business activities, house construction/retrofitting/repairs and education expenses. A large share of the households owns motorbikes, an important asset in the Vietnamese context, whereas between 52-68 percent of the households own a TV. Fewer households own a washing machine (21-36 percent) or a gas stove (8-26 percent), and even fewer own a computer (1-8 percent) or air conditioner (0-8 percent) We are particularly interested in the households’ housing conditions. In Table 3.2 we rapport the means on housing variables for the three groups. The majority of the households own the house they live in (94-97 percent), and have lived there the last 20-23 years. The walls are predominantly made out of bricks (63-74 percent) or cement blocks (19-28 percent), whereas the roof is typically constructed using metal sheets (78-90 percent). Packages 1 and 2 include a technical design that ensures that one or more resilience components are incorporated into the new/retrofitted houses. These resilience components are already to a large extent known to the households. It is therefore relevant to look at whether there are any systematic differences in whether these components are in place across the three groups before the packages were offered. There are eight resilience components, and few households have these in place. For instance, few households have a solid room in their house (8-13 percent), and even fewer are built with ring beam at the foundation level (6-11 percent) or roof level (5-8 percent). We also asked the households a number of questions regarding their perceived resilience. We find that most households either strongly disagree or disagree (89-94 percent) with the statement that “If a storm such as Nari in 2013 occurred in my area tomorrow, my house would be safe”. The summary statistics from the baseline survey show that we have succeeded in targeting a large share of female-headed households. Around half of the households that have accepted the package are female headed. This exceeds our project goal of at least 25 percent female headed households. We also see that these are not the poorest households – a large share own motorbikes, and average income is above the poverty line, however these are still relatively poor households, earning their living from self-employment, and are in need of housing improvement.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 13 Table 3.2 Baseline means: housing conditions Control Treatment 1 Treatment 2 Owns house 0.945 0.972 0.954 (0.024) (0.016) (0.020) Years lived in house 23.451 19.858 22.046 (2.058) (1.146) (1.336) Walls: bricks 0.637 0.676 0.741 (0.051) (0.046) (0.042) Walls: cement blocks 0.198 0.276 0.185 (0.042) (0.044) (0.038) Roof: metal sheets 0.857 0.895 0.778 (0.037) (0.030) (0.040) Resilience components House has a solid room 0.100 0.133 0.083 (0.032) (0.033) (0.027) Continuous/ring reinforced concrete beam at the foundation level 0.089 0.114 0.065 (0.030) (0.031) (0.024) Continuous/ring reinforced concrete beam at the roof level 0.078 0.048 0.056 (0.028) (0.021) (0.022) Reinforced concrete (RC) pillars inside walls 0.089 0.114 0.130 (0.030) (0.031) (0.032) Reinforced concrete roof 0.044 0.000 0.046 (0.022) (0.000) (0.020) Roof bracings 0.000 0.105 0.000 (0.000) (0.096) (0.000) Clay tiles roof 0.066 0.067 0.120 (0.026) (0.024) (0.031) Corrugated steel roof 0.944 0.933 0.944 (0.024) (0.024) (0.022) Disagree that house would be safe if storm such as Nari (2013) occurred tomorrow 0.890 0.943 0.907 (0.033) (0.023) (0.028) N 92 106 108 Note: Standard deviations are given in parentheses.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 14 Vista Analyse 4. Implementing the incentive packages This chapter describes how the technical designs were developed and how technical assistance was provided to households that decided to reconstruct or retrofit their homes. We then report on the construction activities and the disbursement of loans and grants that have taken place over the reporting period. Following the randomization of the wards into the three groups, the local Women’s Union units at the ward/commune level informed the near-poor households which category their households belonged to (package 1, package 2 or control). The households were then contacted directly by the local Women’s Union unit. The near-poor and poor households that were offered either package 1, package 2 or package 3 were provided information about the conditions of the loan and or grant both verbally and by means of an information brochure. See Annex 1 for an example of an information brochure, in this case the brochure to the households in package 1. They were given a consideration period of roughly two weeks to decide whether to accept or reject the offer. 43 of the targeted 106 households, that is 41 percent, accepted package 1. For package 2, 71 out of 108, or 66 percent of the targeted households accepted. All of the targeted 41 households accepted package 3 after the two weeks consideration period. 4.1 Technical design and training local builders In mid-May 2017, the Women’s Union, in collaboration with ISET and HCE, organized a meeting to inform representatives from the city of Da Nang as well as district and ward leaders, about the project. A presentation was held by ISET on how to use the technical manual for storm resilient housing construction. The technical manual consists of three documents targeting three local actors (low-income households, local builders, and local staff/officials) who are usually involved in low-income housing construction activities. See Figure 4.1 for an example from the technical manuals. The manual is designed in a way that allows these local actors to generate and shape resilient-housing designs without the engagement of building professionals (i.e. architects, engineers). The manual was developed under a research project conducted by the Da Nang Department of Foreign Affairs in cooperation with ISET and under the financial support of the Asian Development Bank (ADB).

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 15 Figure 4.1 Excerpts from the technical manuals A local design team is responsible for providing the housing designs under the three packages. The team is led by an architect who worked with local communities to propose safe housing designs after the last typhoons (e.g. Typhoon Xangsane in 2006), and has experience in designing storm-resilient low-income housing. The WU

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 16 Vista Analyse signed a contract with him, under his individual affiliation, stating that he and his team will propose designs for all the houses to be built/retrofitted. WU selected this local architect so as to minimize the costs of design services, in line with the limited financing allocated to technical support for the project (1 million VND per house). The architect and his team (2 draft persons) have been invited to several technical trainings organised by WU, in collaboration with ISET, to ensure that key principles and elements of storm resilience are well perceived and incorporated in the housing design proposals. To propose a design for a house, the design team has to visit each household at least two times, (i) one for checking their needs, physical conditions of existing house, their contribution (in cash and/or in kind), and their financial ability; and (ii) one for finalising the design with the household, where they seek agreement from both sides before applying for a building permit and then signing the loan/grant contract with WU. The local builders participated in training classes on storm-resilient housing construction, the WU organized one class per district. During the implementation of the project, representatives from ISET have made several visits to houses under construction to monitor the construction activities and make sure that the technical designs are correctly implemented. In early June, ISET, the WU and the design team visited three households – one for each of the different incentive packages. At the time, all households were doing construction on their house. Some issues were noticed. The perhaps most important issue that some households had changed the housing design during construction. The WU and the design team worked together to find a way to control and advise families to stick to storm and flood (if concurrently exposed to flooding) safe designs. It was also decided that any deviations should be reported. Another concern was the progress of the design team. The WU requested that they increase their production, and by mid-July, the Women’s Union and the technical design team had inspected 93 households, of which 69 households had received housing designs. Figure 4.2 Photos from housing construction and WU-meeting in Da Nang ISET and the WU visits a house under construction.WU-heldme e t in gwithISET,andth ecityanddistrictsofDaNa n g.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 17 4.2 Disbursement of loans and grants In late May, the Women’s Union started disbursing a number of package 1 and 2 loans to households that had demolished their old houses and started construction of new ones, or had started retrofits. It was decided that package 2 households would not receive grants until later in the construction process. The distribution of grants for package 3 households also started in May, and for these households the grant was distributed by local branches of the WU, along with other types of support. Three main kinds of support are given together with support from the WU support: household contribution (in cash and in kind), grant from Vietnam Fatherland Front and other donators, and borrowed sources from friend, local credit banks and VBSP. Figure 4.3 A house under construction By mid July, the following disbursements had been made: - Package 1: 17 percent of households had received a loan. - Package 2: 39 percent of households had received a loan. 18 percent had received a grant - Package 3: 50 percent of the budget had been disbursed to households. The plan now was to distribute the remaining funds by the end of September 2017. However, by this time, a number of households had decided to withdraw from the project for various reasons. In Table 4.1 we have summarized the reasons for why households chose to withdraw from the program. Out of the 35 households that have withdrawn from the program, half state their reason as being: (1) Sickness/death in the family; or (2) lack of funds. The ones lacking funds claim the packages are insufficient for completing the planned renovation. Other reasons for opting out are: (3) Changing one’s mind, and deciding not to renovate; (4) being in the government planning zone Hoa Nhon, where local authorities prohibit new housing; (5) choosing to renovate without an incentive package; (6) not being able to decide on the time of construction; (7) various other

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 18 Vista Analyse reasons. 11 of the households that withdrew from the program had already received technical designs from the design team. The reported reasons demonstrate how vulnerable these households can be to shocks, such as sickness or death in the family. Table 4.1 Reasons for households withdrawing from the program Reason for withdrawing Package 1 Package 2 Package 3 Total Sickness/death in family 4 4 2 10 Lack funds for renovation 2 4 1 7 Decided not to renovate 3 1 4 Located in government planning zone 4 4 Renovates without loan 2 1 3 Undecided on time for construction 2 1 3 Others 3 1 4 Total 16 15 4 35 Other households changed the time of construction, and some households that participated in the baseline survey and initially did not want to improve their house had changed their mind, and now wanted in on the project. It also turned out that a number of households that were offered package 2, declined to take the loan, and only wanted the small grant of 10 million VND as well as the technical design and assistance. These households were afraid that they would not be able to manage the monthly loan repayments, and preferred to co-finance more of their construction costs through other sources. As explained by the WU, these households have savings and/or access to funding, usually from relatives and close friends, without or with a very low interest rate and long-term payment terms. 4.3 Final take-up, progress of construction and financing Out of the 155 households that originally accepted the incentive packages, 35 have later withdrawn from the project. Table 4.2 shows the status of the households that originally opted for the incentive packages. Not surprisingly, 31 out of the 35 withdrawing households were signed up for package 1 and 2. Unlike package 3, the first two packages include a loan, which is a cost for the households. Package 1 has the highest relative number of withdrawers. This is also not surprising, since the package lacks a grant, and is the least favourable deal for the households. Although some have withdrawn from the project, most of the households that signed up still participate. As shown in Table 4.2, 41 households had finished construction by September 1st, of which 13 houses were new constructions, and 28 houses were retrofitted. Another 61 households are in the process of completing construction, 16 of these constructing new houses, and 45 retrofitting their existing houses. 18 households have not yet begun construction, but are set to finish by December 2017, or March 2018. These households are part of the planned implementation in the next reporting

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 19 period, along with 24 newly targeted poor households for package 3, as described in Chapter 5. Table 4.2 Status for households in the project 		Package 1 Package 2 Package 3 Total Households originally signed up 43 71 41 155 Households withdrawing 16 15 4 35 Construction completed New construction 10 3 13 Retrofit 3 16 9 28 Construction in process New construction 3 3 10 16 Retrofit 14 18 13 45 Total construction in M3 20 47 35 102 Construction planned for M4 7 9 2 + 24 42 The packages were offered so as to induce households to invest in more storm-resilient housing. We have registered the type of improvements that have been made so far, these are summarized in Table 4.3. So far, 102 households have begun or completed building/retrofitting their house. The majority (62 percent) have only undertaken one type of improvement, whereas the remaining households have undertaken two or three improvements. For this reason, the number of improvements in the table below do not sum to 102. The most common improvement is to replace roof covers (55 percent), followed by building a concrete slab on one room (38 percent), and building a concrete roof (13 percent). By adding a concrete slab, the households are creating a ‘solid’ room. This room functions as a ‘storm shelter’ for family members during typhoons, which is considered by the technical manual mentioned earlier to be one of the most important resilience elements of low-income housing in Da Nang. Roof improvements are in general more common. This may include adding steel bars and bracings to strengthen roof frames, and adding strong connections to fix roof frames to walls underneath. Households in packages 2 and 3 are more likely to have undertaken larger investments, such as replacing the roof with a concrete roof or undertaken two improvements. This falls in line with these packages being more generous.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 20 Vista Analyse Table 4.3 Types of housing improvements Package 1 Package 2 Package 3 New build Retrofit New build Retrofit New build Retrofit Roof-related Concrete roof 3 9 2 Replace roof covers 11 30 15 Reinforce roof 2 2 1 Solid house-related Concrete slab built on one room 3 4 12 7 12 Renovate/rebuild sub-house 3 1 Build a new room 1 Other improvements Heighten the walls 1 1 Replace doors and windows 1 1 Reinforce walls 1 Heighten floor/reinforce floor 1 3 4 Total 3 23 13 49 13 34 The Women’s Union has collected data on each of the 102 households’ total construction costs and sources of financing. The costs for households in each package are summarized in Table 4.4. In addition to the loan provided, households in package 1 have financed housing constructions with own contributions (cash- and in kind) and loans from other sources, such as family and friends. Households in package 2 received both a loan and a grant. In addition, households have contributed with cash- and in kind, and some households have also borrowed other sources. One household has also received funding from other donors. Households in package 3 have only received a grant. Some households have also received funding from other donors, such as the Vietnam Fatherland Front or local donors. In addition, they have contributed with co-financing and some have received loans from others. The average construction costs per households are highest in the package 2 group, around 93 mill. VND. As expected, the average costs are higher for households that are financing a new construction, as opposed to retrofitting.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 21 Table 4.4 Total costs of construction (mill. VND) and sources of financing, Pack-age	Type	Num-ber of house- holds	Total costs Average cost per house-hold Total amounts Loans WU Grants WU House-hold co-financing (cash- and in kind) Other donors Loans from other sources 1 Retrofit 17 845 50 510 - 295 - 40 New 3 520 173 90 - 330 - 100 Total 20 1 365 68 600 - 625 - 140 2 Retrofit 34 2 019 59 420 340 955 - 304 New 13 2 360 182 240 130 1 500 20 470 Total 47 4 379 93 660 470 2 455 20 774 3 Retrofit 22 1 220 55 - 440 364 122 294 New 13 1 563 120 - 390 481 249 443 Total 35 2 783 80 - 830 845 371 737 4.4 Characteristics of households accepting and rejecting packages We investigate the characteristics of the households that have accepted and rejected packages 1 and 2, so as to understand whether there are any systematic differences between the two group. In total 214 households were offered package 1 or 2. Of these, 82 households have accepted the packages. This includes the households that have begun construction after August 2017. In Table 4.5 we report mean characteristics of the sample of households that accepted and rejected packages 1 and 2. We exclude the households in the control group, since these were not offered an incentive package. The households are similar on demographic characteristics, regardless of whether they rejected or accepted the offer. However, the average monthly income per person is around 1900 thousand VND (in November 2017) among the households that accepted, whereas the households that rejected have on average a lower monthly income per person (1500 thousand VND). This suggests that the packages are not generous enough in order to induce the poorer households to accept. The income difference stems primarily from differences in income from non-farming self-employment business. There is too little variation in the other sources of income (fishing, cropping, etc.) to investigate any systematic differences. The households that rejected the offer, own largely the same types of assets as those that accepted. The exceptions are that a large share in the former group own a gas stove (28 percent) and fewer own a washing machine (28 percent), compared to those that accepted. Packages 1 and 2 give the households incentives to invest in their houses. It is therefore relevant to investigate whether there are any systematic differences in housing conditions between those that accepted and rejected prior to the offer. In

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 22 Vista Analyse Table 4.6 we report the means for variables capturing the housing conditions of the households that accepted and rejected. Again, there are few systematic differences between the two groups. We find, however, that a larger share of the households that accepted, live in houses with metal roof sheets (90 percent), compared to the households that rejected (80 percent). A larger share of the households that rejected have clay tiles as roofing. We are particularly interested in the resilience components of the house. As seen from Table 4.6, the figures are largely the same across the two groups. Table 4.5 Differences between households that accepted and rejected: household composition, income and asset ownership Accepted Rejected Household composition Female household head 0,515 0,500 (0,044) (0,056) Age of household head 55,152 52,415 (1,169) (1,413) Years of schooling of household head 7,379 7,854 (0,352) (0,433) Household size 4,265 4,195 (0,137) (0,182) Income Monthly income (1000 VND) per person 1457,579 1919,839 (65,370) (140,916) Self-employment: Monthly income (1000 VND) per person 736,377 1282,447 (78,343) (181,781) Waged labor: Monthly income (1000 VND) per person 1210,681 1403,313 (63,959) (96,053) Asset ownership Owns motorbike 0,909 0,878 (0,025) (0,036) Owns refrigerator 0,598 0,671 (0,043) (0,052) Owns washing machine 0,280 0,402 (0,039) (0,054) Owns air conditioner 0,030 0,061 (0,015) (0,027) Owns telephone 0,015 0,012 (0,011) (0,012) Owns TV 0,652 0,646 (0,042) (0,053) Owns computer 0,023 0,073 (0,013) (0,029) Owns gas stove 0,280 0,122 (0,039) (0,036)

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 23 Household member has a loan 0,492 0,415 (0,044) (0,055) N 132 82 Note: Standard deviations are given in parentheses. Table 4.6 Differences between households that accepted and rejected: housing Accepted Rejected Owns house 0.962 0.963 (0.017) (0.021) Years lived in house 21.492 20.110 (1.175) (1.316) Walls: bricks 0.718 0.695 (0.039) (0.051) Walls: cement blocks 0.229 0.232 (0.037) (0.047) Roof: metal sheets 0.794 0.902 (0.035) (0.033) Resilience components House has a solid room 0.107 0.110 (0.027) (0.035) Continuous/ring RC beam at the foundation level 0.099 0.073 (0.026) (0.029) Continuous/ring RC beam at the roof level 0.061 0.037 (0.021) (0.021) RC pillars inside walls 0.122 0.122 (0.029) (0.036) RC roof 0.031 0.012 (0.015) (0.012) Clay tiles roof 0.122 0.049 (0.029) (0.024) Corrugated steel roof 0.916 0.976 (0.024) (0.017) Roof bracings 0.076 0.012 (0.076) (0.012) N 132 82 Note: Standard deviations are given in parentheses. RC=reinforced concrete.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 24 Vista Analyse 5. Plan for implementation for final households Since we have already selected and initiated construction for most of the nominated households, we are well ahead of the scheduled implementation. As shown in Table 4.2, 41 households have finished construction, while construction in in process for 61 households. A total of 18 households that were nominated at the beginning of this reporting period are planning to construct or retrofit their homes between September 2017 and April 2018. In accordance with the plan for implementation set out in the Incentive mechanisms report, the Women’s Union have nominated another 24 poor households to be offered package 3 in the coming implementation period. These households have already been visited and surveyed by the Women’s Union, and half of the households plans to retrofit their homes, while the other half plans to construct a new house. In addition to continuing the implementation of the program in the coming milestone, we will also do a follow-up survey of the 306 households that were surveyed in the baseline survey. We plan to survey all the households in the control groups, and all households in package 1 and 2 that have completed construction by December, in December 207/January 2018. This means that the survey will, for most households, be carried out at the same time as the baseline survey, only one year later. One advantage of this is that it makes the data we record on expenditures and income more comparable. The poor households in package 3 are not part of the randomized controlled trial. For these households, impact assessment and evaluation will be based on a qualitative approach. We plan to conduct focus group discussions to investigate the role of the incentive package, and the impact of the investments for these households. The focus groups, as well as surveying the final households in packages 1 and 2, will take place in March, after the Vietnamese new year holiday. The plans are shown in the updated work-plan in Annex 2.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 25 6. Conclusion From January to September 2017, 102 poor and near-poor households in Da Nang have retrofitted or reconstructed their homes to become storm resilient over the past eight months of project implementation. About half of the households are female headed. All households have received information, technical assistance and financial incentives through loans and/or grants. Information and technical guidance has also been made available to local builders, local Women’s Union representatives and local leaders in Da Nang. Preliminary results from the baseline data and the current take-up of each of the incentive packages, suggest that a grant component may be required in order to incentivize households to invest in climate resilient housing. Access to information, technical assistance and a small loan through the Women’s Union revolving credit scheme, does not seem to reach relatively worse off households among the targeted near-poor. As expected, we also see that households that are offered a less generous package on average invest in fewer “resilience components”, when retrofitting or reconstructing their homes. The actual take-up for especially the loan only package, turned out to be quite low. We also experienced that people that were offered a small grant along with a microloan preferred not to take up the loan, and rather do less extensive investments and co-finance more of the construction from other sources. One reason for this may be that the households do not perceive large investments in resilience improvements as sufficiently profitable to take up a loan. The financial benefits of such an investment are only realized when the household avoids the cost of storm damage. As discussed in the inception report, poor households may put disproportionate weight on the present as opposed to the future, and may delay investment, and then regret not investing when faced with storm damage. It may also be that the informational incentives are not sufficient. The households may not know enough about the benefits of investing, for instance if they doubt the actual resilience of the retrofit/construction. We should of course also acknowledge that the investment may actually not be beneficial for some households after all, and that they make the right decision by declining the program, or making a smaller investment. Some households may use other, less expensive techniques, like putting sand bags on their roofs or moving their belongings from areas that may become flooded, in the case of a storm. If the household has other pressing investment needs, like medical or educational expenses, it may be a good decision not to make the investment. Based on the reasons households provide for dropping out of the program, we also see that households are very vulnerable to shocks, such as death or illness of family members. Without formal mechanisms (insurance) or informal mechanisms (traditional risk sharing arrangements between family, friends, neighbours) for dealing with such shocks, they may have lasting negative impacts on the households. We will investigate the reasons for choosing not to invest in climate resilient housing as we start our evaluation of the program in the coming milestone. The impact of the investments that the households have made, will be investigated in the remaining months of the project. In the next reporting period, an additional 42 households are scheduled to reconstruct or retrofit their homes. This means that as many as 144 households may have benefitted directly from the project by the end of the next reporting period. Our robust method of impact evaluation, with a planned follow-up survey in the coming period of both targeted households and a control group, makes us confident that we can gain valuable insights from this project that may benefit many more households.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 26 Vista Analyse ANNEX 1. Information brochure to households in package 1

D	Ự	 ÁN	 	
 TH	Ư	̣C HI	Ê	̣N C	ÁC S	ÁNG KI	ẾN 	
L	ÀM NH	À Ở CH	ỐNG BĐKH 	
CHO NGƯ	ỜI NGH	ÈO ĐÔ TH	Ị 	
TA	̣I VI	Ê	̣T NAM	 	
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 	
Thông tin chi ti	ết liên h	ệ: 0511.3812143	 	
A.	 M	ỤC TIÊU	 CỦA D	Ự ÁN	 	
1. Cải thi	ện kh	ả năng ch	ống ch	ịu c	ủa nh	ững h	ộ 	
dân 	dễ bị tổn thương t	ại c	ác phư	ờng/x	ã trên đ	ịa 	
bàn Thành ph	ố Đà N	ẵng.	 	
2. Nâng cao nh	ận th	ức và năng l	ực c	ủa các c	ộng 	
đồng d	ễ bị tổn thương đ	ể thích 	ứng v	ới bi	ến đ	ổi 	
khí h	ậu và thiên tai.	 	
B. CHƯƠNG TR	ÌNH TÍN D	ỤNG	 	
NHÀ 	Ở CH	ỐNG BÃO	 	
1. Đối tư	ợng đư	ợc vay v	ốn 	
Các h	ộ cận nghèo 	 	
2. Đi	ều ki	ện đư	ợc vay v	ốn 	
+ Nh	à ở xu	ống c	ấp, không an to	àn trư	ớc gió bão	 	
+ Có nhu c	ầu xây m	ới ho	ặc s	ửa ch	ữa nhà 	ở. 	
+ 	Có m	ột kho	ản ti	ết ki	ệm 	ho	ặc có th	ể huy đ	ộng 	
ngu	ồn l	ực khác	 để xây ho	ặc s	ửa ch	ữa nhà 	ở. 	
+ Có kh	ả năng tr	ả nợ. 	
+ Có gi	ấy t	ờ pháp lý ho	ặc c	ác tài li	ệu liên quan đ	ể 	
ch	ứng minh quy	ền s	ử dụng đ	ất. 	
3. Quy	ền l	ợi c	ủa ngư	ời vay v	ốn 	
+ Đư	ợc vay v	ốn không có th	ế ch	ấp và theo th	ủ tục 	
vay v	ốn đơn gi	ản. 	
+ 	Đư	ợc h	ỗ trợ thi	ết k	ế mi	ễn phí cho vi	ệc xây 	
dựng l	ại ho	ặc s	ửa ch	ữa ngôi nhà.	 	
+ 	Đư	ợc h	ỗ trợ giám sát 	kỹ thu	ật trong qu	á trı̀nh 	
xây d	ựng.	 	
+ 	Tham gia các ho	ạt đ	ộng nh	ằm nâng cao nh	ận 	
thức v	ề nhà ch	ống bão và tham gia nhóm ti	ết 	
kiệm vay v	ốn t	ại đ	ịa phương.	 	
4. Trách nhi	ệm c	ủa ngư	ời vay v	ốn 	
+ 	Xây ho	ặc s	ửa ch	ữa nhà th	eo c	ác nguyên t	ắc k	ỹ 	
thu	ật ch	ống bão.	 	
+ 	Thanh toán v	ốn và lãi, và ph	ải đ	óng ti	ền ti	ết 	
kiệm vào nh	ững th	ời đi	ểm quy đ	ịnh.	 	
5. Cơ ch	ế tín d	ụng	 	
+ M	ức vay: 	không qu	á 30	 triệu đ	ồng/h	ộ/nh	à 	
+ Th	ời gian	 vay: 	không qu	á 40	 tháng	 	
+ Lãi su	ất: 0,75%	/ tháng	 cho 	số tiền vay còn l	ại 	
+ Phương th	ức trả: Tr	ả gốc, lãi hàng tháng b	ắt đ	ầu 	
từ tháng th	ứ nh	ất c	ủa chu k	ỳ vay.	 	
 6. Cơ ch	ế tiết ki	ệm 	
+ M	ức ti	ết ki	ệm đóng 0.2%/ m	ức vay	 	
+ Hộ vay ch	ỉ đư	ợc rút ti	ền ti	ết ki	ệm vào cu	ối k	ỳ 	
vay, khi đ	ã hoàn tr	ả đầy đ	ủ cả gốc và lãi.	 	
 7. Gi	ải ngân và giám sát	 	
+ Gi	ải ngân tr	ực ti	ếp ch	ọ hộ vay sau khi 	nhà 	
đã tháo 	dỡ 	
+ Giám sát 	các h	ộ vay 	nâng c	ấp, xây m	ới nhà 	
ở đảm b	ảo kỹ thu	ật làm nhà ch	ống bão	 	
 
 
 	
 
 
 
 	
G	ÓI 1

TÀI LI	ỆU HƯ	Ớ	NG D	ẪN K	Ỹ THU	ẬT 	
XÂY NHÀ CH	Ố	NG BÃO	 	
Nhà ch	ống bão là nhà có n	ơi an toàn đ	ể trú 	ẩn , 	
đảm b	ảo tính m	ạng dù cho nhà 	ở có b	ị tốc mái, 	
sụp tư	ờng.	 	
+ Trong nhà ph	ải có nơi trú 	ẩn an 	toàn khi có bão 	
lớn x	ảy ra	 	
+ 	Nơi trú 	ẩn có th	ể là phòng ng	ủ, phòng th	ờ, 	
phòng khách.. và 	đư	ợc d	ựng b	ằng khung và sàn 	
bê tông c	ốt thép, tư	ờng dày t	ừ 150mm 	 	
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 	
 
Khi 	xây nhà	 ch	ống bão l	ưu 	ý 3 y	ếu t	ố quan 	
trọng sau	: 	
I. 	Ph	ần móng	: ch	ịu l	ực toàn b	ộ tải tr	ọng ngôi nhà	 	
+ Ph	ải có h	ệ giằng móng đ	ảm b	ảo ch	ịu l	ực toàn 	
bộ của ngôi nhà đ	ể ch	ống s	ụt lún n	ền móng.	 	
 
II. 	Ph	ần thân	: ch	ịu l	ực tác đ	ộng c	ủa g	ió bão	 	
+ H	ệ kết c	ấu ph	ải tạo thành h	ệ khung c	ứng	 	
+ V	ật li	ệu đư	ợc s	ử dụng đúng quy cách	 	
+ Tư	ờng xây t	ừ 150mm tr	ở lên	 	
+ Tư	ờng ngang và tư	ờng d	ọc đư	ợc b	ố trí h	ợp lý, 	
có h	ệ giằng thích h	ợp 	
 
 
 
 
 
 
 
 	
III. 	Ph	ần mái	 	
+ 	Nếu sử dụng xà g	ồ gỗ ph	ải liên k	ết b	ằng đinh 	
vít có tán l	ớn. 	
+ N	ếu s	ử dụng xà g	ồ thép C ho	ạc thép h	ộp ph	ải 	
liên k	ết b	ằng móc s	ắt. 	
+ Kho	ảng cách gi	ữa các liên k	ết đinh vít ho	ặc 	
móc s	ắt ≤ 350 mm	 	
+ Kho	ảng cách xà g	ồ ≤ 900 mm	 	
+S	ử dụng t	ấm l	ợp có chi	ều dày 	≥ 0,4mm(không 	
nên s	ử dụng tôn gi	ả ngói)	 	
+ Ph	ần vươn ra c	ủa t	ấm mái 	≤ 250	 	
 
 	
Tư	ờng bị sụp 	
nhưng v	ẫn c	òn 	
sàn l	ững để núp 
bão	 	
Ch	ằn đ	ỉnh 	
tường 	
Sàn l	ững b	ê tông, 	
có tác d	ụng chống 	
tác đ	ộng ngang của 	
giõ bão và ng	ập lụt

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 27 ANNEX 2: Updated work-plan Milestone 1: Inception Tasks Person responsible Other contributors Due date, 2016 Apr May Jun Jul Aug Inception workshop, detailed revised work plan and inception report (Vista, co-lead HCE) Preparing for inception workshop All 9 Inception workshop with kick-off meeting All 9-13 Documenting inception workshop and updating project home page (each partner) Sofie, Phong 20 Revision of work plan Sofie 20 Finalize contractual arrangements between partners Sofie, Haakon 10 Clarify administrative procedures with NDF Sofie, Henrik 3 Outline inception report Haakon 27 Overview of existing data sources and relevant statistics - Eligibility criteria for previous selection of households Tuan Anh Phong Phong, WU 3 Tentative incentive packages for discussion Henrik, Sofie 6

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 28 Vista Analyse Milestone 1: Inception Tasks Person responsible Other contributors Due date, 2016 Apr May Jun Jul Aug Develop proposal on empirical strategy for testing of incentives - Quantitative approach with sampling etc. - Measuring technology take-up - Measuring household level resilience - Qualitative approach with focus groups, case studies etc. Henrik, Sofie 6 Skype meeting on tentative incentive packages and empirical strategy (8 pm Vietnam time) All 8 Description of expected barriers to investment, based on previous research and experiences Tuan X Planning focus groups for households to identify relevant barriers to investment in climate resilient housing Tuan X Conducting focus groups Tuan X Report on consultation with housing sector actors, including banking and insurance, local government, civil society, construction and architect actors Tuan Anh 20 Consultation with Swiss Re on potential testing of parametric typhoon insurance, in collaboration with CCCO and WU (13th 15th July Singapore meeting, Phong CCCO

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 29 Milestone 1: Inception Tasks Person responsible Other contributors Due date, 2016 Apr May Jun Jul Aug Phong) Draft inception report chapters 3 Inputs to Financial Report from each partner due - Inputs to Table 1 of Financial Report (costs) - Inputs to Table 2 of Financial Report (sources of funding, co-financing) - Detailed time sheets and description of travel costs, and other costs (according to template in Annex 1 to Financial Report) Copy of any invoices exceeding 2000 Euro All 31 Internal draft inception report due Haakon 31 Progress and Financial Report Sofie, Haakon 7 Comments inception report due All 7 Request for disbursement Haakon Due: Inception report, including revised work plan and documentation of inception workshop Progress and Financial Report Haakon, Sofie 15

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 30 Vista Analyse Milestone 1: Inception Tasks Person responsible Other contributors Due date, 2016 Apr May Jun Jul Aug Request for disbursement

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 31 Milestone 2: Incentive mechanisms design Tasks Person responsible Other contributors Due date, 2016 Aug Sep Oct Nov Dec 2) Incentive mechanisms designed (Vista, co-lead HCE) Analysis of results from focus groups, with focus on current hurdles for uptake of climate resilient housing Tuan 15 Skype meeting on work plan for milestone 2, design of incentive packages and plan for workshop Vista, HCE, ISET 21 Proposal on refined incentive packages for discussion among partners Henrik 6 Skype meeting on refined incentive packages Vista, HCE, ISET 10 Plan for implementation of incentives – draft for workshop discussion Henrik Phong x Plan for evaluation in field – draft for workshop discussion Sofie Tuan x Workshop in Vietnam • Finalize incentive packages and plan for All 24-28

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 32 Vista Analyse Milestone 2: Incentive mechanisms design Tasks Person responsible Other contributors Due date, 2016 Aug Sep Oct Nov Dec evaluation in field • With due diligence meeting from NCF + visit to Norwegian Embassy in Hanoi Designing and pre-testing questionnaire HCE Vista, ISET 27 Informing wards and nominating 306 households (6 in each of 51 wards) WU 15 Inputs to Financial Report from each partner due - Inputs to Table 1 of Financial Report (costs) - Inputs to Table 2 of Financial Report (sources of funding, co-financing) - Detailed time sheets and description of travel costs, and other costs (according to template in Annex 1 to Financial Report) - Copy of any invoices exceeding 2000 Euro 9 Internal draft incentive mechanisms report 7 Comments incentive mechanisms report due 12 Progress and Financial Report 15 Disbursement request 15 Due: Report on incentive mechanisms, including plan for evaluation in field and plan for use of 15

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 33 Milestone 2: Incentive mechanisms design Tasks Person responsible Other contributors Due date, 2016 Aug Sep Oct Nov Dec incentives first 30 houses Progress report and financial report Request for disbursement

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 34 Vista Analyse Milestone 3: First 70 houses Tasks Person responsible Other contributors Due date, 2017 Dec Jan Feb Mar Apr May Jun Jul Aug Sep 3) 70 houses built or retrofitted, monitoring report. Plan for use of incentives final 30 houses (WU, co-lead ISET) Practical preparation of incentive packages WU ISET x x x Baseline survey HCE Vista, ISET x 8 Randomization of households into treatment and control groups Vista 16 Offering packages to households in treatment groups WU ISET Local WU reports list of accepted households WU ISET 26 Assessment of selected households/distribution of incentives WU ISET 5 Construction start 12 Monitoring implementation x x x x x

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 35 Milestone 3: First 70 houses Tasks Person responsible Other contributors Due date, 2017 Dec Jan Feb Mar Apr May Jun Jul Aug Sep Workshop in Vietnam to assess progress, implementation experiences and data collection Tentative dates: x Revised list of households for packages 1 & 2 WU 12 Tentative list of households for package 3 WU 12 Transferring funds for packages 1&3 and partial funding for package 3 VISTA 18 Draft monitoring report, including plan for final 30 houses due x Inputs to Financial Report from each partner due - Inputs to Table 1 of Financial Report (costs) 1

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 36 Vista Analyse Milestone 3: First 70 houses Tasks Person responsible Other contributors Due date, 2017 Dec Jan Feb Mar Apr May Jun Jul Aug Sep - Inputs to Table 2 of Financial Report (sources of funding, co-financing) - Detailed time sheets and description of travel costs, and other costs (according to template in Annex 1 to Financial Report) - Copy of any invoices exceeding 2000 Euro Internal draft monitoring report due, including plan for final 30 houses 15 Comments monitoring report 1 Progress and Financial Report 15 Audit x Disbursement request 15

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 37 Milestone 3: First 70 houses Tasks Person responsible Other contributors Due date, 2017 Dec Jan Feb Mar Apr May Jun Jul Aug Sep Due: Monitoring report and plan for use of incentives final 30 houses Progress report and financial report Request for disbursement 15

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 38 Vista Analyse Milestones 4 and 5: Last 30 houses and workshop Tasks Person responsible Other contributors Due date, 2018 Sep Oct Nov Dec Jan Feb Mar Apr 5) Final 30 houses built or retrofitted, monitoring report. (WU, co-lead ISET) 6) Workshop to discuss preliminary results (HCE, co-lead Vista and ISET) Continued implementation for 42 households, 7 package 1, 9 package 2 and 26 package 3. x x x x x x x Follow-up survey of households in control group, and all packages 1 and 2 households that have completed construction x Monitoring x x x x x x x • Implementation review workshop • Workshop to discuss preliminary results from follow-up survey Tentative dates: January 15th-19th x Vietnamese New Year x Follow-up survey for any remaining households from package 1 and 2 Focus group evaluation for package 3 households x

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 39 Milestones 4 and 5: Last 30 houses and workshop Tasks Person responsible Other contributors Due date, 2018 Sep Oct Nov Dec Jan Feb Mar Apr Draft monitoring report due 31 Inputs to Financial Report from each partner due - Inputs to Table 1 of Financial Report (costs) - Inputs to Table 2 of Financial Report (sources of funding, co-financing) - Detailed time sheets and description of travel costs, and other costs (according to template in Annex 1 to Financial Report) - Copy of any invoices exceeding 2000 Euro 31 Internal draft monitoring report due 31 Comments monitoring report 6 Progress and Financial Report 15 Disbursement request 15 Due: Progress report and financial 15

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 40 Vista Analyse Milestones 4 and 5: Last 30 houses and workshop Tasks Person responsible Other contributors Due date, 2018 Sep Oct Nov Dec Jan Feb Mar Apr report Request for disbursement

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 41 Milestones 6 and 7: Refining analysis and producing report Tasks Person responsible Other contributors Due date, 2018 Apr May Jun Jul Aug Sep 7) Refine analysis and results, produce report (Vista, co-lead ISET) 8) Project reporting Follow up survey Data analysis and reporting on impacts of incentive packages Prepare communications materials for public and private actors Preparing national presentations Dissemination workshop Tentative dates: x Preparing scientific publications Preparing final project report Draft final project report Inputs to Financial Report from each partner due - Inputs to Table 1 of Financial Report (costs) - Inputs to Table 2 of Financial Report (sources of funding, co-financing)

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 42 Vista Analyse Milestones 6 and 7: Refining analysis and producing report Tasks Person responsible Other contributors Due date, 2018 Apr May Jun Jul Aug Sep - Detailed time sheets and description of travel costs, and other costs (according to template in Annex 1 to Financial Report) - Copy of any invoices exceeding 2000 Euro Internal draft monitoring report due Comments monitoring report Progress and Financial Report Disbursement request Due: Progress report and financial report Request for disbursement 15

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 Vista Analyse 43

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 44 Vista Analyse References Vista Analyse (2016 a): Implementing incentive for climate resilient housing among the urban poor in Vietnam: Inception report. Report 2016/38. By Henrik Lindhjem, Tran Huu Tuan, Sofie Skjeflo, Haakon Vennemo, Tran Van Giai Phong and Tran Tuan Anh. Vista Analyse (2016 b): Incentive mechanisms and plan for implementation. Report 2016/57. By Sofie Skjeflo, Tran Huu Tuan, Tran Van Giai Phong, Tran Tuan Anh, Haakon Vennemo and Henrik Lindhjem.

Implementing incentives for climate resilient housing among the urban poor in Vietnam Monitoring report 1 46 Vista Analyse Vista Analyse AS Vista Analyse AS er et samfunnsfaglig analyseselskap med hovedvekt på økonomisk forskning, utredning, evaluering og rådgivning. Vi utfører oppdrag med høy faglig kvalitet, uavhengighet og integritet. Våre sentrale temaområder omfatter klima, energi, samferdsel, næringsutvikling, byutvikling og velferd. Våre medarbeidere har meget høy akademisk kompetanse og bred erfaring innenfor konsulentvirksomhet. Ved behov benytter vi et velutviklet nettverk med selskaper og ressurspersoner nasjonalt og internasjonalt. Selskapet er i sin helhet eiet av medarbeiderne. Vista Analyse AS Meltzersgate 4 0257 Oslo post@vista-analyse.no vista-analyse.no

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