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CHRISTIAN ENTERPRISE TRUST OF ZAMBIA (CETZAM) _______________________________________________

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

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CHRISTIAN ENTERPRISE TRUST OF ZAMBIA (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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