Business Grants and Loans to HIV affected women
Grants are used to set up businesses so that HIV affected women can provide for themselves and their families. This enables them educate their children, afford better living conditions and provide more and better quality food. Loans are given to enable businesses to grow and be more sustainable.
January 2013 - January 2014
In our experience a high proportion (25%) of adults in this region of Northern Tanzania is HIV positive. Women in particular have suffered and when we started supporting women with HIV, our local partners explained that a basic need was to provide them with a livelihood . However, the lack of even the smallest amount of capital made this impossible. Food insecurity in those with HIV results in susceptibility to infections. Children often drop out of school to contribute to family income.
We conceived the idea of providing business grants which overseen by local mentors, enabled the women to set up small businesses. The income generated enables the women to feed, house and educate themselves and their family. Success in providing livelihood support to HIV sufferers depends upon effective follow up of grants which is done by Community Counsellors, local people who work with HIV sufferers as their main job, or have run successful businesses.
Lifting 80 HIV affected women and their families (480 in total) out of poverty
Activities» By giving them business training, capital (aprox. £100) and intensive mentoring support
Increase in income levels to at least twice the original amount though often by 3 or 4 times
Supporting 50 HIV affected women to create secure long-term employment for themselves & their family
Activities» Growing their small business through provision of top up loans of around £300
Increase in profits and success of businesses where we have provided top up loan
Increasing the quality of food eaten and the number of meals eaten in HIV affected households
Activities» Through helping women to provide an income to be able to afford more and better quality food
Increase in number of meals eaten within HIV affected families we are working with
Increasing the school attendance of children in HIV affected families
Activities» As the women will be able to provide an income this will mean that their children won't have to contribute to household income and can attend school
Increase in percentage of children attending school within HIV affected families we are working with
Long term, the project will make a difference not only to the women setting up the businesses but to their children. With a sustainable household income their children will have more and better food to eat. As they don't have to assist in provision of income they can attend school. As their mothers are less likely to get HIV related illnesses they are less likely to have to stay at home and care for them. We will demonstrate success through increase in educational success.
Main risk is non repayment of loans. However, because our partners know these women well, this gives us an excellent platform for micro loans. The CCs maintain a repayment ledger for each recipient and collect payments on a monthly basis. If the loan recipient does not pay we will continue to pursue through community contacts, though if this is unsuccessful we will ultimately write it off. Thankfully this is rare.
We do regular impact reports from our detailed monitoring. The needs assessment on enrollment will include current income levels, nutrition intake, and school attendance of children in the household. These indicators will be used as the baseline for the end of year evaluation of project impact.
Budget - Project Cost: £27,240Loading graph....
Amount Heading Description £8,840 Micro grants and training 80 micro grants to support business start-ups (80 x £100) and business training £15,000 Micro loans 50 micro loans to support business growth (50 x £300) £3,400 Salaries, training and monitor Area Co-ordinators & Community Counsellor salaries & training for project staff and local monitoring
We work in Northern Tanzania. We originally worked in the regions of Arusha, Ngaramtoni and Moshi which are all townships. We hope to expand the project to Mwanga, Marangu and Tanga. Life expectancy in Tanzania is only 57 and 68% of people live on less than $1 a day.
Around 480 from HIV affected families will benefit directly, receiving extensive benefits, making them more self-sufficient and able to afford food, healthcare and schooling costs. This works out at around £57 per direct beneficiary. Indirect beneficiaries include wider family & neighbours who would otherwise be called upon to provide charitable support to HIV affected families. The community will also benefit from the increased economic activity in their area including increased employment.
We have been working in this area for many years and work closely with local partners. We started the project in 2005 and have built on its success. Since we started we have learnt a lot and refined the programme as we have progressed. We have learnt that excellent links with local organisations are essential to help us choose the right recipients. We have realised how vital it is that our mentors are well trained so we have invested more in their training. We now want to expand the project.
Read more about the Charity running this project.
Anthony is Chief Executive and set up the charity of the back of his volunteer organisation. He is directly involved in the management of the project.
Sustainable income for HIV affected family