Ulaanbaatar, Mongolia is the coldest capital city in the world. During blistering, eightmonth winters, households meet their heating needs by burning coal in traditional stoves. As a result, the city also ranks as one of the most polluted urban areas on the planet. In 2009, XacBank, Mongolia’s largest microfinance institution (MFI), made a commitment to address this public health threat head-on. To date, XacBank has facilitated the ownership of over 80,000 efficient heating stoves and insulation blankets in Ulaanbaatar’s Ger District.