Mllicrocredit for people affected by HIV and AIDS: Insights from Kenya
Mllicrocredit for people affected by HIV and AIDS: Insights from Kenya
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DOI：
10.1080/17290376.2008.9724906
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发表时间：
2008-07-01
影响因子：
1.1
通讯作者：
Njuguna, James
中科院分区：
文献类型：
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作者：
Datta, Dipankar;Njuguna, James
在肯尼亚，艾滋病毒和艾滋病的后果是指数级的，不仅影响到感染者的健康，而且耗尽整个家庭的社会经济资源。获得金融服务是保护和建设经济资源的重要途径之一。不幸的是，财政可行性的规范使小额供资机构不愿将受艾滋病毒和艾滋病严重影响的人作为目标。因此，近年来，艾滋病毒和艾滋病服务非政府组织越来越多地参与小额信贷活动，以增强其客户的经济能力，尽管小额信贷活动领域的人力资源和资金有限;这些非政府组织表明，近5 096名小额信贷受益人将资金投资于创收活动，从而加强了他们的生计保障。在短期内，这些。非政府组织需要改进其现行做法。然而，这并不意味着在其以艾滋病为重点的方案内发起小额供资倡议，因为金融服务最好由专门机构提供。小额供资机构与其他艾滋病服务组织和捐助者之间的长期合作是必要的，以便在受到艾滋病毒和艾滋病严重影响的地区作出适当和迅速的反应。
Consequences of HIV and AIDS are exponential in Kenya, touching not only the health of those infected, but also depleting socioeconomic resources of entire families. Access to financial services is one of the important ways to protect and build economic resources.,Unfortunately, the norm of financial viability discourages microfinance institutions from targeting people severely impacted by HIV and AIDS. Thus, HIV and AIDS service NGOs have been increasingly getting involved in microcredit activity in recent years for economic empowerment of their clients, Despite limited human resources and funding in the area of microcredit activity; these NGOs have demonstrated that nearly 5096 of their microcredit beneficiaries invested money in income-generating activities, resulting in enhancement to their livelihood security. In the short term these. NGOs need to improve their current practices. However, this does not mean launching microfinance initiatives within their AIDS-focused programmes, as financial services are best provided by specialised institutions. Longer-term cooperation between microfinance institutions and other AIDS service organisations and donors is necessary to muster: appropriate and rapid responses in areas experiencing severe impacts of HIV and AIDS.