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Strategic Responses to HIV/AIDS in Microfinance: Mitigating Risks, Maximizing Impact

This workshop aims to debunk myths, analyze HIV/AIDS impact on MFIs, and strategize responses for operational change. Participants will learn to monitor internal and external factors, understand institutional options, and develop mitigation strategies. Various response options and importance of client loyalty and identifying impacts will be discussed. The workshop emphasizes long-term sustainability and informed leadership for effective action. Source: UNAIDS.

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Strategic Responses to HIV/AIDS in Microfinance: Mitigating Risks, Maximizing Impact

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  1. Goals of the Workshop • Help participants identify myths and learn the facts about HIV/AIDS • Help participants recognize the impact of HIV/AIDS on MFIs and their clients • Show participants how to hone in on and monitor internal and external factors affected by HIV/AIDS • Help participants understand the institution’s options for responding to the disease • Provide participants with strategies to mitigate the internal institutional and external risks of operating in a high prevalence HIV/AIDS country or region • Prepare for action with an increased strategic understanding that will lead to operational change.

  2. Overhead: Options • Option One: Ignore the crisis. • Option Two: Buffer clients against the effects of the disease (refined/modified or new products, insurance-type support for staff, linkages to HIV/AIDS support organizations). • Option Three: Mobilize to protect and buttress communities (work with AIDS orphans and community health programs).

  3. Overhead: Options Clarified • Option One: Ignore the crisis “Business as usual.” • Option Two: Buffer clients against the effects of the disease (refined/modified or new products, insurance-type support for staff, linkages to HIV/AIDS support organizations) “Financial-services orientation with eye to client/household needs. • Option Three: Mobilize to protect and buttress communities (work with AIDS orphans, community health programs, and so on) “Activist.”

  4. Overhead: MFI Financial Costs Related to Responses to HIV/AIDS

  5. CGAP Business Planning Framework

  6. Overhead: Importance of Client Loyalty – An Example of a Repeat Borrower

  7. Overhead: Increased Household Financial Pressure

  8. Overhead: Major Risks to Microfinance Institutions

  9. Overhead: Impact of HIV/AIDS on a Microfinance Institution

  10. Overhead: Cost of Delinquency

  11. Overhead: Financial Products for Different Stage of HIV/AIDS

  12. Overhead: Importance of Identifying the Impact of HIV/AIDS on MFI Operations “Long-term sustainable responses will only be achieved if all stakeholders (leadership, managers, personnel, shareholders) within [MFIs] are convinced of the real business rationale for action. In particular, a committed and knowledgeable leadership is paramount.” “A clear understanding of the specific impacts of HIV/AIDS on a company and of the context in which these occur is a critical factor in the development of effective and appropriate policy and program responses.” Source: UNAIDS, et al.,TheBusiness Response to HIV/AIDS: Impact and Lessons Learned

  13. Overhead: Board Member Responsibilities

  14. Overhead: Board Member Responsibilities Continued

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