A Microfinance Program Targeting People Living with HIV in Uganda: Client Characteristics and Program Impact.
A Microfinance Program Targeting People Living with HIV in Uganda: Client Characteristics and Program Impact.
复制标题
DOI：
10.1177/2325957416667485
复制
发表时间：
2017-05-01
影响因子：
--
通讯作者：
Wagner, Glenn
中科院分区：
文献类型：
--
作者：
Linnemayr, Sebastian;Buzaalirwa, Lydia;Wagner, Glenn
艾滋病毒对经济脆弱人群造成了不成比例的影响。艾滋病毒医疗护理，包括抗逆转录病毒治疗，成功地恢复了身体健康，但可能不足以实现社会和经济健康。因此，可能有必要提供创新的经济支持方案，例如为艾滋病毒/艾滋病患者提供商业培训和小额信贷。然而，小额信贷机构表现出不愿向艾滋病毒感染者伸出援手，导致非政府组织和艾滋病毒护理组织提供这些服务。作者调查了符合小额信贷贷款条件的HIV护理中医疗稳定客户的基线特征，并评估了他们的业务和财务需求；作者还分析了他们的还款模式以及他们在收到该计划后社会经济地位是如何变化的。作者发现，在接受调查的样本中，对商业资本的需求明显未得到满足，并指出为客户提供小额信贷和艾滋病毒护理方面的商业培训具有潜在的有益作用。参与贷款的艾滋病毒客户显示出高还款率，(可支配)收入以及利润和储蓄的显著增加。因此，作者鼓励其他艾滋病毒护理提供者考虑向他们的客户提供此类贷款。
HIV has disproportionately affected economically vulnerable populations. HIV medical care, including antiretroviral therapy, successfully restores physical health but can be insufficient to achieve social and economic health. It may therefore be necessary to offer innovative economic support programs such as providing business training and microcredit tailored to people living with HIV/AIDS. However, microfinance institutions have shown reluctance to reach out to HIV-infected individuals, resulting in nongovernment and HIV care organizations providing these services. The authors investigate the baseline characteristics of a sample of medically stable clients in HIV care who are eligible for microcredit loans and evaluate their business and financial needs; the authors also analyze their repayment pattern and how their socioeconomic status changes after receipt of the program. The authors find that there is a significant unmet need for business capital for the sample under investigation, pointing toward the potentially beneficial role of providing microfinance and business training for clients in HIV care. HIV clients participating in the loans show high rates of repayment, and significant increases in (disposable) income, as well as profits and savings. The authors therefore encourage other HIV care providers to consider providing their clients with such loans.