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1. Microcredit and Households Coping with HIV/AIDS: A Case Study from Zimbabwe

Author:
Carolyn Barnes
Publication Date:
12-2003
Content Type:
Working Paper
Institution:
The National Academy of Public Administration
Abstract:
This study seeks to better understand the ways chronic illness and death, possibly associated with HIV/AIDS, negatively affect households and the impact of microcredit in helping affected households. This is achieved through analysis of data from clients of Zambuko Trust and non-client micro entrepreneurs, using proxy indicators of HIV/AIDS affected households. It also investigates the vetting of members by loan guarantee groups and the ways these groups deal with individuals affected by illness and death. Since members of loan groups serve as gatekeepers to loans, the internal dynamics of these groups as well as the MFI's policies and loan term s and conditions are important to understanding any push factors that might exclude HIV/AIDS infected and affected individuals. Suggestions from clients and other key stakeholders are provided on changes that might assist microfinance institutions and their clients to address the negative effects of HIV/AIDS.
Topic:
Economics, Human Welfare, and Poverty
Political Geography:
Zimbabwe

2. An Assessment of the Imapct of Microfinance Services in Uganda

Author:
Carolyn Barnes and Gayle Morris
Publication Date:
12-2003
Content Type:
Working Paper
Institution:
The National Academy of Public Administration
Abstract:
Using three microfinance institutions (FINCA , FOCCAS, PRIDE) in Uganda, this paper focuses on the impact of microfiance program participation and profiles the clients who participate in these programs. The research covers clients and a non-client comparison group in rural Mbale district, the capital city of Kampala, and Masaka town and its periphery. The two-staged survey was conducted in late 1997 and repeated during the same months in 1999. The assessment conclude s that microfinance program participation has the following positive characteristics on client microenterprises: addition of new products and services, improved or expanded enterprise sites and markets, reduced costs of inventory purchases, and increases in sales volume. Household-level impacts include: began new enterprise, increased amount spent on durable assets and agricultural inputs, increased amount of cultivated agricultural land, and increased amount of household income from crops. The findings also suggest that microfinance programs help client households reduce their financial vulnerability through diversification of income sources and accumulation of assets.
Topic:
Development, Emerging Markets, and Third World
Political Geography:
Uganda, Kampala, and Masaka