This study, conducted in Zimbabwe, sought to better understand the relationship between a microfinance program, Zambuko Trust, and how microentrepreneurs’ households cope with the impact of HIV/AIDS. The study examined how HIV/AIDS is affecting Zambuko’s operations and what microfinance institutions (MFIs) can do to lessen the impact of HIV/AIDS on their clients and operations. The findings indicate several small yet important ways that MFI programs help microentrepreneurs and their families respond to these impacts through access to credit and business management training. Participation in a microfinance program led to income smoothing and better financial management, which can help households mitigate the economic shock caused by HIV/AIDS. A number of recommendations emerged from the study that have policy, program, and research implications for MFIs, AIDS service organizations, donors, and governments.
Barnes, Carolyn, Erica Keogh, Nontokozo Nemarundwe, Loveness Nyikahadzoi, and Ellen Weiss. 2003. "Microfinance and households coping with HIV/AIDS in Zimbabwe: An exploratory study," Horizons Final Report. Washington, DC: Population Council.
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