Can Access to Microfinance Reduce HIV Prevalence among Women?

2014 ◽  
pp. 135-157 ◽  
Author(s):  
James Atta Peprah ◽  
Charles Buonbah
Keyword(s):  
Small Businesses ◽  
Average Rate ◽  
Hiv Prevalence ◽  
Sub Saharan Africa ◽  
Empirical Literature ◽  
Magic Bullet ◽  
Microfinance Institutions ◽  
Sub Saharan ◽  
The Impact ◽  
Prevention Of Hiv

Microfinance has been heralded by many as the magic bullet, able to empower marginalized populations by investing into their agency. It has been growing at an average rate of about 40%, and providers have shown interest in reducing HIV prevalence and promoting health educational attainment among beneficiaries’ children especially among women who are vulnerable in most societies. Advocates of microfinance interventions have often stated it aims at improving lives by enabling clients to launch and nurture their own small businesses and enterprises so that they can become independent and improve their livelihoods. However, complementary to microfinance strategy is to assist clients in generating income and growing assets from the impact of crises events such as HIV and related diseases such as malaria and tuberculosis. Sub-Saharan Africa as compared to the rest of the world faces a serious HIV epidemic and the poor in general and women in particular are mostly at risk. This group of people is also the target for microfinance initiatives. The study reviews some theoretical and empirical literature about poverty, HIV and microfinance. The chapter establishes the fact that if microfinance can reduce poverty then it could also be used as a tool for preventing HIV infection. Policy recommendation that will enable microfinance institutions to contribute to the prevention of HIV, and its related diseases are offered.

Cross-Border Funding and Microfinance Mission Drift: Evidence from Sub-Saharan Africa

2016 ◽  
Vol 17 (2) ◽  
pp. 20-40
Author(s):  
Akem Forkusam
Keyword(s):  
Sub Saharan Africa ◽  
Microfinance Institutions ◽  
Public And Private ◽  
Mission Drift ◽  
Cross Border ◽  
The Social ◽  
Sub Saharan ◽  
The Impact ◽  
Different Sources ◽  
Ssa Countries

Sub-Saharan Africa (SSA) has become the top priority for international funders and they are now increasing their cross-border funding to microfinance institutions (MFIs) in the region. This foreign funding is considered an additional source of capital for MFIs in the region who are facing difficulties in meeting the demand of the poor. However, these funds are provided by public and private funders who each have different motives. The paper examines the impact of these different sources of funding on microfinance performance and mission drift in SSA, which is the world’s poorest region. The study utilizes data from 212 MFIs in 30 SSA countries accessed over a three-year period (i.e. 2007, 2009, and 2011). The findings show that cross-border funding does not affect either the social or financial performance of MFIs when time and country effects are accounted for.

Microfinance institutions' risk and governance in Sub-Saharan Africa

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Haileslasie Tadele ◽  
Helen Roberts ◽  
Rosalind Whiting
Keyword(s):  
Financial Risk ◽  
Risk Measures ◽  
Generalized Least Squares ◽  
Sub Saharan Africa ◽  
Microfinance Institutions ◽  
Content Type ◽  
For Profit ◽  
Sub Saharan ◽  
Female Director ◽  
The Impact

PurposeThe purpose of this study is to explore the impact of MFI-level governance on microfinance institutions' (MFIs’) risk in Sub-Saharan Africa (SSA).Design/methodology/approachThe study uses data from a sample of 151 MFIs operating in 21 SSA countries during 2005–2014. The Feasible Generalized Least Squares (FGLS) regression model is applied to investigate the relationship between MFI level governance mechanisms and risk.FindingsThe study provides new evidence that board characteristics have differential effects on for-profit (FP) and not-for-profit (NFP) MFI risk. Board independence reduces credit risk of NFP MFIs. Foreign director presence increases MFI failure risk. Furthermore, greater female director representation reduces (increases) FP (NFP) financial risk whereas female CEOs are associated with higher (lower) FP (NFP) financial risk.Originality/valueThe paper contributes to existing literature on microfinance governance and risk, by exploring the impact of governance on MFI risk based on MFIs profit orientation. In addition, the study uses three different risk measures unlike previous microfinance studies.

scholarly journals Microfinance and households coping with HIV/AIDS in Zimbabwe: An exploratory study

2002 ◽  
Keyword(s):  
Nutrition Education ◽  
Management Training ◽  
Sub Saharan Africa ◽  
Business Practices ◽  
Microfinance Institutions ◽  
Health And Nutrition ◽  
Sub Saharan ◽  
The Impact ◽  
Hiv Aids

The widespread prevalence of HIV/AIDS in sub-Saharan Africa adversely affects millions of households. In recent years, microfinance has been proposed as a strategy to help the households of microentrepreneurs respond to the negative economic impacts of HIV/AIDS. This attention to the potential role of microfinance builds upon earlier research that shows that microfinance institutions (MFIs) that charge commercial rates of interest and use sound business practices can become operationally self-sustainable and help improve the lives of the poor and vulnerable nonpoor. This type of MFI generally offers small loans, often combined with savings services. An MFI may also offer business management training, health and nutrition education, and other types of services. This brief presents findings from a study conducted in Zimbabwe that sought to better understand the relationship between a microfinance program, Zambuko Trust, and how microentrepreneurs’ households cope with the impact of HIV/AIDS. The study also examined how HIV/AIDS is affecting Zambuko’s operations and what MFIs can do to lessen the impact of HIV/AIDS on their clients and operations.

scholarly journals Exploring the potential causes of HIV prevalence among young women in South Africa: a critical literature review

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Karin Zakeyo ◽  
Mathew Nyashanu
Keyword(s):  
South Africa ◽  
Young Women ◽  
Hiv Infections ◽  
Hiv Prevalence ◽  
Sub Saharan Africa ◽  
People Living With Hiv ◽  
Content Type ◽  
Sub Saharan ◽  
Living With Hiv ◽  
The Impact

Purpose The purpose of this study is to explore the potential causes of HIV prevalence among young women in South Africa. Human immunodeficiency virus (HIV) is one of the leading causes of death in sub-Saharan Africa. South Africa (SA) has the largest HIV pandemic in the world with approximately 7.2 million people living with HIV as of 2017. There is a disproportionate incidence of HIV between women and men, particularly affecting young women 15–24 years of age. This paper reviewed 10 articles on the impact of HIV in SA among young women. Design/methodology/approach A total of 10 articles on HIV in SA were selected for review using academic databases including Library One Search Pro, Google Scholar, the British Medical Journal and Elsevier. The search generated 11,095 articles, which were narrowed down to 10 by the criteria of being specific to gender and age and publication period. Findings Five themes were identified from the findings as to the potential causes of HIV prevalence among young women these included age-disparate relationships, social factors and sexual behaviour. Impact of HIV on communities and individuals, gender and patriarchy including poverty and social isolation. Originality/value The paper shows the impact of inequalities between men and women leading to HIV infection among young women. It also shows some gaps that require further research with regards to HIV infections among young women.

Comparing the Impact of Religious Discourse on HIV/AIDS in Islam and Christianity in Africa

2012 ◽  
Vol 8 ◽  
Author(s):  
Sloane Speakman
Keyword(s):  
Social Factors ◽  
Negative Relationship ◽  
Hiv Prevalence ◽  
Religious Discourse ◽  
Prevalence Rates ◽  
The Social ◽  
High Prevalence ◽  
Islam And Christianity ◽  
Sub Saharan ◽  
The Impact

In examining the strikingly high prevalence rates of HIV in many parts of Africa, reaching as high as 5% in some areas, how does the discourse promoted by the predominant religions across the continent, Islam and Christianity, affect the outlook of their followers on the epidemic? This question becomes even more intriguing after discovering the dramatic difference in rate of HIV prevalence between Muslims and Christians in Africa, confirmed by studies that have found a negative relationship to exist between HIV prevalence and being Muslim in Africa, even in Sub-Saharan African nations. Why does this gap in prevalence rates exist? Does Islam advocate participating in less risky behavior more so than Christianity? By comparing the social construction, epidemiological understanding and public responses among Muslim populations in Africa with Christian ones, it becomes apparent that many similarities exist between the two regarding discourse and that, rather than religious discourse itself, other social factors, such as circumcision practices, contribute more to the disparity in HIV prevalence than originally thought.

Conflicts in Biafra, Katanga and Cabinda as a result of the geopolitical legacy of colonialism

2020 ◽  
Vol 2020 (10-3) ◽  
pp. 238-246
Author(s):  
Olga Dzhenchakova
Keyword(s):  
Democratic Republic ◽  
Economic Factor ◽  
Colonial Period ◽  
Sub Saharan Africa ◽  
Negative Consequences ◽  
Post Colonial ◽  
Republic Of The Congo ◽  
Sub Saharan ◽  
The Republic ◽  
The Impact

The article considers the impact of the colonial past of some countries in sub-Saharan Africa and its effect on their development during the post-colonial period. The negative consequences of the geopolitical legacy of colonialism are shown on the example of three countries: Nigeria, the Democratic Republic of the Congo and the Republic of Angola, expressed in the emergence of conflicts in these countries based on ethno-cultural, religious and socio-economic contradictions. At the same time, the focus is made on the economic factor and the consequences of the consumer policy of the former metropolises pursuing their mercantile interests were mixed.

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