The financial impact of HIV/AIDS on poor households in South Africa
The financial impact of HIV/AIDS on poor households in South Africa
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DOI：
10.1097/01.aids.0000300538.28096.1c
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发表时间：
2007-11-01
期刊：
影响因子：
3.8
通讯作者：
Leibbrandt, Murray
中科院分区：
文献类型：
--
作者：
Collins, Daryl L.;Leibbrandt, Murray
背景：南非HLV/ALDS导致的死亡率上升对贫困家庭产生了实质性和挥之不去的影响。方法：这是一篇描述性论文，使用了一年来从南非农村和城市地区总共181户贫困家庭收集的每日收入、支出和金融交易的新数据集。HLV/ALDS影响家庭幸福感的关键途径之一是通过死亡的社会经济影响，这一数据集在量化方面特别有用。结果：死亡对家庭的关键影响是葬礼和收入损失。葬礼通常花费高达7个月的收入。样本中几乎所有的家庭都试图通过持有丧葬保险组合来支付此类费用。尽管采取了这些措施来为葬礼费用投保，但61%的家庭对葬礼费用的保险不足。近一半的样本家庭依赖于固定的工薪阶层，另有四分之一的家庭依赖于补助金接受者。如果家庭中收入最高的受助人去世，其中80%的家庭将损失一半以上的月收入。即使通过出售流动资产，也只有三分之一的样本家庭能够在一年或更长时间内保持其生前生活水平。结论：死亡带来了巨大而挥之不去的负担，这些负担来自死亡家庭成员需要支付的葬礼费用，以及死者一旦给家庭带来的持续收入损失。这些成本对家庭构成了如此大的威胁，以至于它们主导了家庭储蓄和保险行为。(C)2007年沃尔特斯·克鲁沃健康公司。
Background: Rising mortality rates caused by HlV/AlDS in South Africa have substantial and lingering impacts on poor households.Methods: This is a descriptive paper using a new dataset of daily income, expenditure and financial transactions collected over a year from a total of 181 poor households in South African rural and urban areas. One of the key pathways through which HlV/AlDS impacts on household wellbeing is through the socioeconomic impacts of death, which this dataset is especially useful in quantifying.Results: The key impacts of death on households are funerals and the loss of income. Funerals often cost up to 7 months of income. Nearly all households in the sample attempt to cover such costs by holding a portfolio of funeral insurance. Despite these efforts to insure against funeral costs, 61% of households are underinsured against the cost of a funeral. Nearly half the sample households are dependent on a regular wage earner, and another quarter are dependent on a grant recipient. Eighty per cent of these households would lose over half of their monthly income should the highest income recipient in the household die. Even by selling liquid assets, only one third of the sample households would be able to maintain their pre-death living standards for a year or more.Conclusion: Death poses substantial and lingering burdens from the funerals that surviving household members need to finance and the ongoing loss of income once brought into the household by the deceased. These costs pose so great a threat to households that they dominate household saving and insurance behavior. (c) 2007 Wolters Kluwer Health.