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WP 25: Microfinance strategies for HIV/AIDS mitigation and prevention in sub-saharan Africa - (pdf 133 Kb)
Amy McDonagh, 2001, ILO

HIV/AIDS undermines welfare not only through its immediate and devastating effects on the health of the labor force, it also undermines “the health” of the financial institutions that allows families to survive and enterprises to operate. This paper explores ways of ensuring the stability and performance of microfinance institutions in the context of the pandemic. The paper exposes a range of products, services and operational devises that can be incorporated into a mitigation strategy. It also offers insights into how best to configure the most appropriate product/service mix. This involves not only offering a broader array of products and services (e.g. health and funeral insurance) but also adapting conventional products, services and operational tools to an HIV context.