The document discusses a program to provide bank financing to PDAMs (local water utilities) in Indonesia to improve access to clean water. The program aims to develop cost recovery tariff structures, business plans, and governance for participating PDAMs to access loans to expand infrastructure. Key challenges include tariffs being set politically rather than financially, some PDAMs being in poor financial health, and lack of coordination between stakeholders such as local governments, banks, and ministries. The program has had some successes in developing templates and guidance, but needs to focus on healthier PDAMs, streamline approval processes, and improve banks' understanding of lending opportunities to accelerate connections to clean water.