Shameran Abed Integrating Health and Microfinance

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Shameran Abed Integrating Health and Microfinance

  1. 1. Taking health to the people:comprehensive poverty reduction Shameran Abed BRAC November 14, 2011 www.brac.net
  2. 2. BRAC in 30 seconds• Founded in: Bangladesh, 1972• Program coverage: 136 million worldwide(110m in Bangladesh)• Working in: 10 countries• Bangladesh budget (2010): US$ 495million• Self generated: 71%• Health budget as %: <10 www.brac.net
  3. 3. Holistic Approach www.brac.net
  4. 4. 1970s: Health and poverty www.brac.net
  5. 5. Health delivery for the poor www.brac.net
  6. 6. Oral Re-hydration Therapy
  7. 7. Tuberculosis www.brac.net
  8. 8. Health Workers www.brac.net
  9. 9. Health Forum www.brac.net
  10. 10. Reducing maternal, child,and neonatal mortality www.brac.net
  11. 11. 2011: Health and poverty www.brac.net
  12. 12. Why Health Insurance?• Expenditure on health as % of GDP - 3.4• Government expenditure as % of total exp. onhealth - 31• Out-of-pocket spending as % of total exp. onhealth - 58.9• Out-of-pocket spending as % of privateexpenditure on health - 86 Source: WHO 2007 and ILO 2007 www.brac.net
  13. 13. In the Absence of Health InsuranceThere are significant health costs:- Not seeking healthcare when needed- Seeking care very late (often when it is too late)- Poor quality of careAnd financial costs:- The financial shock of health expenditure could pushpeople below the poverty line- Nearly one-third of defaulters for microfinance cite healthshocks as primary reasons for defaulting on their loans www.brac.net
  14. 14. Challenges•Is it possible to provide value for moneyand still make it viable?• Supply side weaknesses• Poor renewal rate• Adverse selection/moral hazard www.brac.net
  15. 15. Opportunities•Leverage extensive distribution network ofMFIs to offer health insurance at low-cost•Provide an additional suite of products toborrowers which will likely lead to lowerdefault rates and better retention•Potential for integrating technology toreduce costs of delivery www.brac.net
  16. 16. Thank You www.brac.net

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