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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
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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.
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).
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.”
Overhead: MFI Financial Costs Related to Responses to HIV/AIDS
Overhead: Importance of Client Loyalty – An Example of a Repeat Borrower
Overhead: Financial Products for Different Stage of HIV/AIDS
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