health and microfinance partnerships against poverty (8 of 8)
TRANSCRIPT
Why Combine Health and Financial Services? An Introduction to Health Education, Health Financing, Healthcare Linkages and Health
Micro-insurance
Four Approaches to Health Protection Developed by MFIs in Response to
Clients’ Needs
4 Diverse Regions,
4 Different Examples of Health Packages
Movimiento Manuela Ramos - Peru• WASH education• Special loans for
water/ sanitation products
• Linkages with water/ sanitation vendors
Vaagdhara - India
• Nutrition education• Savings for income
generating activities, healthy foods and health services
• Linkages with ICDS Centers, Health Providers
• Agriculture and kitchen gardens training and support
CARD - Philippines
• Maternal health education
• Community Health Fairs
• Linkages with health providers
• Health loans and partnership with PhilHealth
APHEDD and FADeC - Benin
• Health education• Health savings and
loans• Linkages public and
private health providers
Health Education: An Essential Foundation and Key Approach• Health education: mechanism to share
information and promote related health products and services to improve knowledge and behavior
• Different methodologies to fit the needs of clients and skills of facilitators - TLCs (Technical Learning Conversations) - PLCs (Pictorial Learning Conversations)
• Group Participates in PLC Session
Coffee/ Tea Break
Health Services Can Create Net Benefits for MFIs
Income-generating health services Health education (in conjunction with village banking) Health loans• Health savings (potentially)
Health micro-insurance premium loans Health product distribution
Non-income-generating health services Health education (parallel approach) Linkages to health providers
• Opportunity to reach larger segment of population
• Increase market share• More dependable income flow
Health Care
Providers• Low cost• Competitive advantage• Improved client financial protection
and health• Social mission
Financial Institutio
n • Improved health care knowledge
and behaviors• More access to health providers and
products• Greater financial protection
FI Members
and Families
• Improved health care knowledge and behaviors
• More access to health providers and products
Community
Where’s the Evidence? …Proven Impact
12
Goal Organization ResultImproved knowledge for behavior change to prevent and manage illness
Bandhan, India (health education)
•Significant improvements in knowledge and behaviors for breastfeeding, diarrhea mgmt, and child feeding
Ability to access appropriate care
CRECER, Bolivia; (health fairs)
•24% receiving health service never had medical care before
Ability to finance health services
Bandhan, India (health loans)
CARD, Philippines (health insurance)
RCPB, Burkina Faso (health savings, loans)
• 33% would have delayed treatment without the loan • 62% felt able to afford other necessities (food, education) •Value of insurance to offset costs•Increased use of primary care
And changes can be sustained…
CharacteristicPre-Test%
Post-Test 1*%
Post-Test 2*%
Knew a child should be breastfed “immediately” or “within 1 hour” of birth
71 97+++ 92^^^
Knew a child should be exclusively breastfed for 6 months
75 92+++ 97^^^
Knew one should add oil, protein or vegetables to first foods for baby in order to make them more nutritious
93 96 98^^
*Significant difference between pre-test cohort and post-test 1 cohort: + p < 0.05, ++ p<0.01, +++ p< 0.001*Significant difference between pre-test cohort and post-test 2 cohort: ^ p < 0.05, ^^ p<0.01, ^^^ p< 0.001
What’s next for today?
• Health promotion networking and Community of Practice
• Lunch• Health Outcome performance indicators• Sharing of experiences• Action planning • Closing and evaluation
