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.

Can Financial Education Change Behavior? Lessons from Bolivia and Sri Lanka

Gray, Bobbi, Jennefer Sebstad, Monique Cohen, Kathleen Stack. Global Financial Education Program Financial Education Outcomes Assessment Working Paper #4. 94pp. (December 2009). Washington DC : Microfinance Opportunities and Davis, CA : Freedom from Hunge


Introduction – In 2003, when Microfinance Opportunities and Freedom from Hunger partnered to develop a financial education curriculum for the microfinance industry, there was very little experience with financial education for low-income populations in developing countries—and most specifically, for microfinance institution clients. Microfinance Opportunities joined with Freedom from Hunger to launch the Global Financial Education Program to respond to this gap. The education development was a grassroots effort that started with market research in which clients shared their financial goals and challenges, and their current knowledge, skills, attitudes and practices as related to managing money. As a result of this program, a unique curriculum tailored to lowincome populations in developing countries was developed. Within two-and-a-half years, approximately 350,000 microfinance clients have received training in financial education, and 19 million have had access to some of the key education messages presented through radio, television, print and street theater.

Microfinance against malaria: Impact of Freedom from Hunger’s malaria education when delivered by rural banks in Ghana.

De la Cruz, Natalie, Benjamin Crookston, Bobbi Gray, Steve Alder and Kirk Dearden. Transactions of the Royal Society of Tropical Medicine and Hygiene, 103:1229–1236. (December 2009).

You may purchase the article at Transactions of the Royal Society of Tropical Medicine and Hygiene (link will open in a new window).


A community randomized pre-test/post-test design was used to compare the knowledge and behaviors of microfinance clients receiving malaria education (n = 213) to those receiving diarrhea education (n = 223) and to non-client controls (n = 268). Comparisons assessed differences at follow-up as well as within-group changes over time.

Linking Health to Microfinance to Reduce Poverty

Leatherman, Sheila and Christopher Dunford. Bulletin of the World Health Organization 2010;88:470-471. doi: 10.2471/BLT.09.071464. (November 2009).

To read this, the first of many publications about to emerge from the four and a half years of our Microfinance and Health Protection (MAHP) initiative, click here.


The June 2010 issue of the highly-regarded Bulletin of the World Health Organization published an article by Freedom from Hunger’s Trustee Sheila Leatherman and President Chris Dunford entitled “Linking Health to Microfinance to Reduce Poverty.”  In the words of the WHO Bulletin editor, “Sheila Leatherman & Christopher Dunford describe the positive effects of linking microfinance with health services.”

Credit unions and rural banks reaching down and out to the rural poor through group-based microfinance.

Dunford, Christopher. Enterprise Development and Microfinance, 20 (2):107–124. (June 2009). (English Only)

You may purchase the article at Ingenta Connect (link will open in a new window).


Over the past 15 years, the experience of credit unions in francophone West Africa, Ecuador, Madagascar and the Philippines and rural banks in Ghana shows that adding group-based microfinance (village banking) to existing, locally owned financial institutions in provincial towns is a lower-cost, effective and sustainable alternative to building microfinance institutions de novo in order to extend microfinance to poorer women (many of them so poor their families are chronically hungry), especially in rural areas.

All aboard! Adding new wheels to the microfinance locomotive.

Dunford, Christopher. Microfinance Insights, 10: 37–39. (Jan/Feb 2009).

Get the article at Microfinance Insights (link will open in a new window).


Over the last several decades, microfinance institutions have created an infrastructure of service delivery to the poor. Tens of thousands of microfinance field officers fan out across the developing world every day to meet groups of borrowers.

Financing healthier lives: Empowering women through integration of microfinance and health education.

Dunford, Christopher, April Allen Watson and Anna Awimbo. United Nations Population Fund and Microcredit Summit Campaign. 20pp. (2008). NY: United Nations Population Fund. (English Only)

Get the publication at United Nations Population Fund (link will open in a new window).


This document is an update of an earlier edition published in 2006 and primarily focuses attention on the strategy of integrating microfinance services with health education. Highlighted within are MCS's and UNFPA’s joint global efforts to empower women using this strategy, employing methodology developed by and receiving training in its use by a key partner, Freedom from Hunger.


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