Freedom from Hunger is committed to sharing what we learn with the rest of the field. Our expert staff members are regularly called upon to contribute commentary, articles and chapters for trade publications, technical journals and books.
We are pleased to provide the following list of published works authored or co-authored by Freedom from Hunger staff, past and present. These articles are generally available for free download in PDF format or via links to other websites. In some cases, articles have been published by journals that provide access only by subscription or purchase.
The titles are listed according to the date of publication, starting with the most recent articles. We provide complete citation information for the convenience of researchers wanting to cite the publication in their own work and provide access to French or Spanish versions, when available.
We sincerely hope you will find these articles useful for broadening your understanding of value-added microfinance and related topics.
This paper examines the potential of youth living in poverty to harness the power of groups to develop positive savings behaviors and long-term savings habits. Because youth are at a stage in their lives when they are particularly susceptible to peer influence, groups can positively impact their financial behaviors through a group structure, integrated financial education and the dynamics of social pressure and social capital. When young people start saving early, they increase their potential to develop a savings habit that can carry into their adult lives, strengthening their financial capabilities as they begin to face increased financial and social responsibilities. The significance of this approach became evident as Freedom from Hunger set out to test and learn from three different models of financial services integrated with financial education as part of its Advancing Integrated Microfinance for Youth (AIM Youth) initiative developed in partnership with The MasterCard Foundation.
If you have a subscription to Enterprise and Microfinance you can download the paper from that site at http://practicalaction.org/enterprise-development-microfinance
Five microfinance institutions (MFIs) in Bénin, Bolivia, Burkina Faso, India and the Philippines developed and offered health protection services to microfinance clients: health education, health loans, health savings, health micro-insurance, linkages to health providers and distribution of health products. After about two years, the services were collectively reaching over 300,000 clients and are continuing to scale up. The cost to the MFI was generally low for each service (average annual net marginal cost of US$.29 per client and average total annual cost, including allocated expenses, of $1.59 per client). Some were expected to become profitable in the near term. In addition to the financial cost of offering such services and who bears the cost, we discuss the broader benefits both to clients and the MFIs themselves and suggest that more MFIs around the world could find similar cost-effective ways to deliver health protection services to their clients.
In 2010, Freedom from Hunger conducted “impact stories” research to look at the life events, opportunities, program perceptions, food security and poverty levels of 41 members of Savings Groups formed through the organization Le Tonus in Mali. In 2012, 31 members were interviewed a second time in order to compare outcomes and analyze progress among members. Individual stories have been written for each respondent to describe their experiences with the program in a holistic way, and the aggregate outcomes are described in this report. Sample stories are provided in the appendix.
Given the high incidence of malaria, the cost of treatment and lost time at work, as well as limited knowledge about malaria prevention and treatment, Saving for Change uses SGs to deliver malaria education to members to enhance the impact of the programme. The Mali experience illustrates that SGs provide a powerful platform for delivering education.
(Keywords/Tags: Saving for Change, Mali, Savings Groups, malaria education)
To view the peer-reviewed version of this report, please see: “Health financing: A new role for microfinance institutions?” J. Int. Dev. doi: 10.1002/jid.2829
An innovative and scalable approach, health financing by microfinance institutions can expand existing health-financing options for the poor. We examined healthcare-seeking behavior, health costs and health-financing methods among microfinance clients in Bolivia, Benin and Burkina Faso. Health costs and lost productivity were substantial. Clients benefit from assistance, including health savings, health loans and health micro-insurance. Microfinance institutions offer advantages in developing health-financing options: global reach, expertise in loans and savings, and their mission to facilitate household financial stability. Health-financing products hold considerable potential but require careful design to optimize value and minimize risk to clients.
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This paper is the culmination of a multi-year, collaborative learning program focused on village banking. The process has been sponsored by the Small Enterprise Education and Promotion (SEEP) Network and its Poverty Lending Working Group.
Together they function as a forum for practitioner exchange to share program experience and analyze key program issues. As village banking attracts more attention throughout the world, the insights and solutions they have found to improve their own programs should also benefit those undertaking new initiatives.
Freedom from Hunger and five microfinance institutions (MFIs) from Benin, Bolivia, Burkina Faso, India, and the Philippines tested whether MFIs could sustainably offer health-related services with positive health and social impacts for client. The health services ranged from education, health-financing (loans, savings and microinsurance), to linkages to health providers and health products.
Impact research included client interviews; focus-group discussions; a randomised controlled trial; and cost-benefit analyses at the institutional level. Positive benefits were detected at the client and household levels, including improved health knowledge andbehaviours, and in access to health services and products. These findings support the idea that MFIs offer large and growing distribution networks that can provide an integrated set of services to improve both health and financial security of poor families.