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Microfinance Solutions for HIV/AIDS-Affected Individuals by CETZAM

Explore the experiences, challenges, innovations, and role modeling efforts of Christian Enterprise Trust of Zambia (CETZAM) in providing microfinance support to vulnerable communities impacted by HIV/AIDS. Learn about the prevalence rates, key issues, innovations, and recommendations to address the constraints faced in reaching out to affected clients. Discover the impact of HIV/AIDS on Zambian society and the transformative role played by CETZAM in empowering individuals for economic sustainability. Gain insights into the organization's efforts in expanding access to credit services, addressing health-related issues, and fostering community engagement. Follow the journey of beneficiaries, like Mrs. Mary Chanda, and understand the importance of financial inclusion and awareness campaigns in combating HIV/AIDS stigma. Join us in exploring ways to enhance support for HIV/AIDS orphans and improve sustainable practices for long-term impact.

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Microfinance Solutions for HIV/AIDS-Affected Individuals by CETZAM

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  1. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ THEME MICRO FINANCE FOR THE VULNERABLE EXPERIENCES OF CETZAM IN REACHING HIV/AIDS AFFECTED CLIENTS

  2. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ OVERVIEW 1. BACKGROUND 2. KEY ISSUES/CONSTRAINTS 3. INNOVATIONS AND RECOMMENDATIONS 4. CONCLUSION

  3. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ BACKGROUND

  4. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ • HIV&AIDS PREVELANCE RATES • 1 OUT OF 6 ADULTS IS LIVING • WITH HIV&AIDS. • 98 000 PEOPLE DIED OF HIV&AIDS • 2005. • 710 000 ARE HIV&AIDS ORPHANS. • LIFE EXPETANCEY IN ZAMBIA IS • LESS 40 YEARS.

  5. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ • KEY ISSUES CHALLENGES/CONSTRATINTS • BUSINESS RELATED (sole proprietor) • HEALTH RELATED(scanty info eg • Sex with a minor will heal disease) • COMMUNITY RELATED(culture & stigma) • INSTITUTION RELATED(default and • Sustainability)

  6. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ • INNOVATIONS AND RECOMENDATIONS • HIV/AIDS AWARENESS CAMPAIGNS • Trained 12 loan officers and 249 caregivers • RECOMMENDATION • Voluntary testing campaign • Awareness topics to be integrated in client orientation • RECOMMENDATION • Explore ways of increasing beneficiaries eg 10 dependants. • Clients to have choice of beneficiary • Intensify sensitization of the eradication of myths • √ CREDIT LIFE • RECOMMENDATION • To reduce premium that clients pay. • OVC`S • Accessed credit 628 of these 449 are women • 1115 orphans have been served • RECOMMENDATIONS • Product should extend to individual loans • Form more alliances with relief providers • ROLE MODELS • Cetzam has become a role model for clients

  7. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ INSURANCE √ NTULA RECOMMENDATION Explore ways of increasing beneficiaries eg 10 dependants. Clients to have choice of beneficiary Intensify sensitization of the eradication of myths

  8. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ √ CREDIT LIFE RECOMMENDATION To reduce premium that clients pay.

  9. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ • OVC`S • 628 ACCESSED CREDIT • OF THESE 449 ARE WOMEN • 1115 ORPHANS HAVE BENEFITED • RECOMMENDATIONS • THE PRODUCT TO EXTEND TO IND LOANS • TO FORM MORE ALLIENCES WITH RELIEF PROVIDERS

  10. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ • ROLE MODELS • CETZAM MODEL FOR CLIENTS • ECONOMIC TRANSFORMATION

  11. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ • CONCLUSION • OVC STORY MRS MARY CHANDA

  12. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ • SUMMARY OF PRESENTATION • 1. BACKGROUND • 2. KEY ISSUES • 3. INNOVATIONS AND RECOMMENDATIONS • CONCLUSION

  13. CHRISTIAN ENTERPRISE TRUST OF ZAMBIA(CETZAM)_______________________________________________ • QUESTIONS • COMMENTS

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