RainBank is designed as a Social Business pilot: setup capital funds one hub, local revenue covers operations, and capital recovery is projected under clear assumptions.
Monthly access fee
Households pay a small monthly membership for access to selected non-potable water uses. Pricing is set locally so the hub can cover operator pay, maintenance, and a reserve without claiming full household water supply.
Primary recurring revenue
Small refill fee
Residents, warungs, or nearby users can pay per container for washing, cleaning, and sanitation water when supply is available. Fees can rise or fall by season and availability.
Flexible usage revenue
Service contribution
The host institution can contribute a small monthly service fee or in-kind support because the hub provides water for cleaning, toilets, ablution support, or school maintenance.
Institutional support
Setup Costs (Pilot Assumption)
(~€700 per hub)
Monthly Operating Costs (Pilot Assumption)
Monthly Revenue
Scenario estimate: Rp 4.5M–5.5M
Monthly Surplus
Scenario estimate: Rp 0.6M–1.6M
Month 0
Rp 12.5M pilot setup capital. Host agreement signed, community training complete, operator on-site.
Month 3
50–100 households test membership and pay-per-fill use. Output is compared against rainfall, storage levels, and non-potable demand. Pilot projection — actual uptake may vary.
Month 12
Hub performance is assessed under reduced rainfall. Any bulk-water support is logged separately from harvested rainwater so the groundwater reduction claim remains transparent.
Month 20
Projected capital recovery window begins under pilot assumptions. Exact timing depends on uptake, rainfall, operating costs, and local pricing.
Month 24
After operating reserve and maintenance needs are covered, surplus can support capital recovery, host institution needs, or preparation for another hub.
Year 5
Scenario-based projection: 50 hubs operational across Jakarta, with partial non-potable water access, community roles, and measured groundwater demand reduction.
Muhammad Yunus defines a Social Business by seven principles. RainBank Jakarta fulfils all seven.
Founders and investors receive no dividends, bonuses, or profit shares. All surplus is reinvested into new hubs or community programs.
Each hub investor is repaid up to the original capital amount if the pilot performs as projected. The target recovery window is 20–30 months, with no dividend or profit share.
Jakarta's groundwater dependency contributes to land subsidence and flood risk. RainBank addresses one part of that problem by replacing selected non-potable demand.
Membership fees, pay-per-fill use, and host agreements are designed to cover operating costs. Setup funding can come from CSR or impact capital during the pilot phase.
Rainwater harvesting reduces groundwater demand where it replaces pumped non-potable use, while also capturing local runoff during rain events.
Operator pay is built into the monthly cost structure and reviewed against actual workload and local wage expectations.
After capital recovery and operating reserves, surplus decisions are made with the host institution and community representatives.
The Yunus Vision
"A social business is a non-loss, non-dividend company dedicated entirely to achieve a social objective."
— Muhammad Yunus, Nobel Peace Prize Laureate, 2006
The pilot asks a practical question: can one community hub reduce groundwater demand, cover operating costs, and recover setup capital within 20–30 months?
Discuss a pilot