Integrating microfinance and health programs can provide benefits to both clients and microfinance institutions. Health education combined with microfinance access has led to positive health outcomes in areas like reproductive health, child health, and disease prevention. Evidence shows interventions that combine health education, trained health workers, and linkages to care can improve health knowledge, behaviors, and access to services. Moving forward, addressing barriers like program costs and identifying best practice health programs can help scale up integrated microfinance and health initiatives.
Sure Health - Increasing access to health in NigeriaDaniel Emeka
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So I came up with this idea of how to use the existing technology of mobile phones to increase access to health.
glad a lot of others a thinking in that light today
Sure Health - Increasing access to health in NigeriaDaniel Emeka
Â
So I came up with this idea of how to use the existing technology of mobile phones to increase access to health.
glad a lot of others a thinking in that light today
AcademyHealth Engagement, Empowerment, Enhancement: The Role of Consumers in ...Whitney Bowman-Zatzkin
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2:45pm-4:15pm
Engagement, Empowerment, Enhancement: The Role of Consumers in Health Care and Advocacy
Moderator: Whitney Bowman-Zatzkin, Flip the Clinic
Strategies and Tactics for Achieving Meaningful Consumer Engagement
Claire Brindis, Director, Institute for Health Policy Studies
Speakers:
Tom Workman, American Institutes for Research (AIR)
Amanda Otero, Health Care Organizer, TakeAction Minnesota
Privacy and Security: Challenges and Opportunities in Healthcare IdentityPaul Brian Contino
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Paul Brian Contino
Corporate Chief Technology Officer
New York City Health & Hospitals Corporation
HIMSS14 Annual Conference & Exhibition, Orlando Florida
CLOSING KEYNOTE: Best Practices - Panel Of end Users
February 23, 2014 3:00-4:15pm
Staff from the CMS Innovation Center and the Center for Medicare and CHIP Services hosted a webinar that provided an overview of the Strong Start initiative and the application process and requirements for the Medicaid funding opportunity.
More at: http://innovations.cms.gov/resources/StrongStart_overview.html
- - -
CMS Innovation Center
http://innovation.cms.gov
We accept comments in the spirit of our comment policy:
http://newmedia.hhs.gov/standards/comment_policy.html
CMS Privacy Policy
http://cms.gov/About-CMS/Agency-Information/Aboutwebsite/Privacy-Policy.html
AcademyHealth Engagement, Empowerment, Enhancement: The Role of Consumers in ...Whitney Bowman-Zatzkin
Â
2:45pm-4:15pm
Engagement, Empowerment, Enhancement: The Role of Consumers in Health Care and Advocacy
Moderator: Whitney Bowman-Zatzkin, Flip the Clinic
Strategies and Tactics for Achieving Meaningful Consumer Engagement
Claire Brindis, Director, Institute for Health Policy Studies
Speakers:
Tom Workman, American Institutes for Research (AIR)
Amanda Otero, Health Care Organizer, TakeAction Minnesota
Privacy and Security: Challenges and Opportunities in Healthcare IdentityPaul Brian Contino
Â
Paul Brian Contino
Corporate Chief Technology Officer
New York City Health & Hospitals Corporation
HIMSS14 Annual Conference & Exhibition, Orlando Florida
CLOSING KEYNOTE: Best Practices - Panel Of end Users
February 23, 2014 3:00-4:15pm
Staff from the CMS Innovation Center and the Center for Medicare and CHIP Services hosted a webinar that provided an overview of the Strong Start initiative and the application process and requirements for the Medicaid funding opportunity.
More at: http://innovations.cms.gov/resources/StrongStart_overview.html
- - -
CMS Innovation Center
http://innovation.cms.gov
We accept comments in the spirit of our comment policy:
http://newmedia.hhs.gov/standards/comment_policy.html
CMS Privacy Policy
http://cms.gov/About-CMS/Agency-Information/Aboutwebsite/Privacy-Policy.html
Provides an overview of wellness program trends, including a look at the role of prepaid wellness cards as a central component of employer wellness programs. We will also look at meaningful incentive thresholds and identify obstacles to program adoption.
A preliminary proposal for an application to the Health Care Innovation Challenge sponsored by CMS. Focus of this proposal include gestational diabetes, maternal obesity, postpartum weight loss, and as well as patient engagement / health literacy
Elizabeth Carosella, International Program and Business Development Manager for Partners for Development, explains the organization's microfinance model to address the devastating link between poverty and poor health in developing nations.
Extending US Healthcare Capacity with ClickMedixClickMedix
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As US begins its shift in healthcare payment and delivery models, technology-enabled solutions become ever-more relevant to achieve faster and better outcome-based care, with less resources. This presentation presents a mobile health system in the context of enabling health providers in the US to do more, with less.
This course will inform, engage, and prepare participants who are considering the feasibility and benefits of adding health to microfinance. The training will provide experience-based examples, lessons learned, cost information, and discussion about addressing the link between poverty and ill health without taking MFIs off-track or incurring undue expenses.
This PPT: intro to integrated health and microfinance
FULL TITLE:
Why Offer Integrated Microfinance and Health Services: An Introduction to Health Education, Health Financing, Healthcare Linkages and Health Microinsurance
ROOM: Lenana Hall
FACILITATED BY: Freedom from Hunger
Ms. Myka Reinsch Sinclair (USA)
Dr. Mahamadi CissĂŠ (Burkina Faso)
HealthCursor Consulting Group India- Distribution and Marketing- Mobile network operators in Africa have identified the growing demand for financial services and micro insurance . Airtel Africa has partnered with MicroEnsure for Mobile Micro Insurance. The range of Airtel-branded insurance products includes life, accident, health, agriculture, and other forms of cover.
Connecting intermediaries, customers and surveyors- ICICI Lombard India's mobile initiative started simply enough, with a set of basic applications that gave customers a consolidated view of all their policies, a reminder service to renew a policy, and a way to track the status of a claim. But as they matured with the mobile platform, they re-visited the paradigm and devised new ways to provide customers with more value-added and user-friendly features. This is however restricted to Auto insurance only.
Encryption, Transactions and handling customer grievance- Public sector general insurance company United India Insurance launched a mobile-based real-time fund transfer facility for payment of premium. M-Power enables customers to renew their policies and also remit the premium for approved proposals. To use this facility, one has to get an MMID (an identification number called - mobile money identifier) from his/her bank and enable oneâs mobile with the application given by the bank. However, there are only 10 banks on board with this platform. This initiative follows the launch of its Internet-based sales, customer grievance portal and information-cum-sales kiosks.
Sales, awareness and providing access- Bima, a young Swedish microinsurance company, is using mobile phones to sell as many as three billion new insurance policies to the global poor. Bima, that has begun to access this untapped market, is now one of the largest mobile insurance platforms in the world. In just three years, Bima has acquired 4 million clients in Africa and Asia and is adding 400,000 new subscribers per month. Bima has been tackling many of the obstaclesâeducation, pricing, premium collectionâthat prevent poor people from obtaining such benefits. For instance, Bima products such as life, accident and health insurance cost "as little as $0.20 to $6.00 a month. Last month, Leapfrog invested $4.25 million in Bima, which will allow the company to expand even further within Africa and Asia as well as reach into new markets in Latin America.
Reproductive Health Lecture Note !
The Nairobi Summit on ICPD25 provides an opportunity to complete the unfinished business
of the ICPD programme of action and also a chance to commit to a forward-looking sexual
and reproductive health and rights (SRHR) agenda to meet the Sustainable Development
Goals (SDGs) and its targets. It is an opportunity for the global community to build on the
ICPD framework and fully commit to realizing a visionary agenda for SRHR and to reaching
those who have been left behind. This agenda must pay attention to population dynamics and
migration patterns, recognize the diverse challenges faced by different countries at various
stages of development, and ground policies and programmes in respect for, and fulfilment of,
human rights and the dignity of the individual (United Nations Population Fund, 2019).
Since 1994, the world has developed through responding to the Millennium Development
Goals (MDGs), which focused on the achievement of a few, specific health targets, to commit
to the comprehensive 2030 Agenda for Sustainable Development. The aspirational targets
of the health SDG (SDG 3 â Good Health and Well-being) are not merely ambitious in
themselves, but cover nearly every important aspect of human well-being, both physical and
relational. Unlike the MDGs, the SDGs explicitly recognize sexual and reproductive health as
essential to health, development and womenâs empowerment. Sexual and reproductive health
is referenced under both SDG 3, including met family planning needs, maternal health-care
access and fertility rates in adolescence, and SDG 5 (gender equality), which additionally refers
to sexual health and reproductive rights.
With the SDGs, the world has also committed to achieving UHC, including financial risk
protection, access to high-quality essential health-care services and access to safe, effective,
high-quality and affordable essential medicines and vaccines for all. In connection with the
74th session of the United Nations General Assembly (2019), world leaders made a political
declaration1
recommitting to achieving UHC by 2030. The declaration further re-emphasizes
the right to health for all and a commitment to achieving universal access to sexual and
reproductive health services and reproductive rights as stated in the SDGs. As such, UHC
and SRHR are intimately linked. Without taking into account a populationâs SRHR needs,
UHC is impossible to achieve, as many of the basic health needs are linked to peopleâs sexual
and reproductive health. Similarly, universal access to SRHR cannot be achieved without
countries defining a pathway towards UHC, which includes prioritizing resources according to health needs.
The purpose of this paper is to define and describe the key components of a comprehensive,
life course approach to SRHR. Furthermore, the ambition is to describe how countries can move towards universal access to SRHR as an essential part of UHC.
RH 4 GMPH Students
This course will inform, engage, and prepare participants who are considering the feasibility and benefits of adding health to microfinance. The training will provide experience-based examples, lessons learned, cost information, and discussion about addressing the link between poverty and ill health without taking MFIs off-track or incurring undue expenses.
This PPT: how Equitas does integrated health and microfinance
This course will inform, engage, and prepare participants who are considering the feasibility and benefits of adding health to microfinance. The training will provide experience-based examples, lessons learned, cost information, and discussion about addressing the link between poverty and ill health without taking MFIs off-track or incurring undue expenses.
This PPT: action planning
This course will inform, engage, and prepare participants who are considering the feasibility and benefits of adding health to microfinance. The training will provide experience-based examples, lessons learned, cost information, and discussion about addressing the link between poverty and ill health without taking MFIs off-track or incurring undue expenses.
This PPT: client testimonies
This course will inform, engage, and prepare participants who are considering the feasibility and benefits of adding health to microfinance. The training will provide experience-based examples, lessons learned, cost information, and discussion about addressing the link between poverty and ill health without taking MFIs off-track or incurring undue expenses.
This PPT: Bandhan's market research
This course will inform, engage, and prepare participants who are considering the feasibility and benefits of adding health to microfinance. The training will provide experience-based examples, lessons learned, cost information, and discussion about addressing the link between poverty and ill health without taking MFIs off-track or incurring undue expenses.
This course will inform, engage, and prepare participants who are considering the feasibility and benefits of adding health to microfinance. The training will provide experience-based examples, lessons learned, cost information, and discussion about addressing the link between poverty and ill health without taking MFIs off-track or incurring undue expenses.
This PPT: intro, objectives, and the agenda
This course will inform, engage, and prepare participants who are considering the feasibility and benefits of adding health to microfinance. The training will provide experience-based examples, lessons learned, cost information, and discussion about addressing the link between poverty and ill health without taking MFIs off-track or incurring undue expenses.
This PPT: how and why to do market research
This one-day workshop will introduce the pathway that financial service providers can take to enhance their social performance management (SPM) practices, using the Universal Standards for Social Performance Management (âUniversal Standardsâ) as a framework for improving practice. Case studies and activities will make the day as interactive as possible. The target audience for this workshop is associations and direct service providers.
The day will start by quickly defining SPM and exploring its importance to an institutionâs clients and business. Participants will take a deeper look at the Universal Standards and learn how to use the SPI4 Audit Tool to assess their current level of implementation of the Universal Standards. We will also discuss key resources available to help financial service providers institute changes after they assess themselves.
This course will prepare microfinance practitioners to understand and provide financial and non-financial services to rural and urban youth. The course will introduce participants to best practices for serving youth, help them to understand the differences between rural and urban youth financial service provision, and detail specific products and service delivery models. To ground the information in concrete examples, the training will also involve a live case study component, where participants will be able to engage with representatives of financial institutions in the MENA region that are currently offering financial services to youth.
You have helped your clients see themselves and their families in a new light as economic actors. You can do the same for their lives as civic actors. The nations of the world have agreed to the Sustainable Development Goals, goals such as eradicating extreme poverty, eliminating preventable child deaths, and ensuring all children complete secondary school all by 2030. In this training you will learn how to empower your clients to use their voices as citizens on issues that matter in their lives, the lives of community members, and across their nation. By helping clients influence village leaders and members of Parliament through advocacy, we will make the SDGs real.
Yasir Ashfaq, Pakistan Poverty Alleviation Fund (PPAF), Pakistan, Partnership...
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Sheila Leatherman Integrating Health and Microfinance
1. Integrating Microfinance and Health
Benefits, Challenges and Reflections for Moving Forward
Sheila Leatherman, Professor of Health Policy and Management
Gillings School of Global Public Health, Univ. of North Carolina
Freedom from Hunger
Christopher Dunford, Marcia Metcalfe, Myka Reinsch,
Megan Gash and Bobbi Gray
2. Remarks
⢠Why add health programs to microfinance
⢠What can be done to meet basic health needs
⢠How; a look at the evidence for â what worksâ
⢠Summary; how can we move forward
3. Why Integrate Microfinance and Health ?
ďą Opportunity to reach hundreds of millions globally
3500 MFIs - 190 million clients; incl. 43 mil. very poor families
ďą Illness (w/cost) is barrier to progress out of poverty
Evidence is strong and compelling
ďą Microfinance â is a vast distribution channel for
proven, simple, and low cost health interventions
4. How essential are health educ./services in helping very poor
clients to move and stay above the $1.25 a day threshold?
-Health spending can be a high portion of household annual income ;
22 percent in Bolivia and 67 percent in Burkina Faso*
-Average of 17% of clients reported use of their business loan for health *
-In W. Africa; clients spent up to 30% of income on malaria *
-India; Annually 24% of all those receiving medical treatment fell below
the poverty line because of high cost ( 20 million people)
What can we learn from institutions that have been most
successful in this area?
*Freedom From Hunger data
5. WHAT must we do to improve health?
Access Barrier;
Access Barrier;
Good
Financing
Information
Access Barrier;
Appropriate health services and products
6. Client Need or Barrier Examples of programs
Information ⢠Health education
and knowledge ⢠Health promotion and screening
⢠Trained community volunteers
Availability of effective ⢠Direct delivery of clinical care
Health products/ services ⢠Health fairs /health camps
⢠Linkages with/referrals to providers
⢠Community
pharmacies/dispensaries
⢠Loans to health providers
⢠Micro franchising health-businesses
Financial ability to pay ⢠Loans for medical care ( indiv./gp)
⢠Health Savings ( indiv/gp)
⢠Health microinsurance/prepaid care
7. Microfinance and Health
What works ? What are best bets?
1. Global evidence review of literature
2. Case Studies; ex. BRAC, Pro Mujer
3. Microfinance and Health Protection (MAHP);
Freedom From Hunger demonstration (Gates funded);
5 MFIs in India, Bolivia, Philippines, Benin and Burkina Faso
8. % of MFIs providing Microfinance-Health Integration
Health program
What is being done?
Health education
(89 MFIs, 2009)
79%
Referrals
23%
Direct health services
delivery 22%
Contracts w/health
providers
20%
Health micro-
insurance
20%
Health promotion
events
16% 8
9. Evidence of Impact ;
Health education combined with Microfinance
Leatherman et al, WHO Bulletin, 2010
⢠Reproductive Health
⢠Primary care for children
⢠Nutrition/Breastfeeding
⢠Diarrheal illness
⢠HIV Prevention
⢠Gender based Violence
⢠Sexually Transmit. Infections
⢠Malaria
⢠Tuberculosis
10. Interventions with Positive Benefit
Leatherman et al, Health Policy and Planning, 2011
Health Behavior Use of Increase Positive
Knowledge change health health health
services system outcome
capacity
Health
X X X X
education
Trained
health
X X X X x
workers
Linkages
w/
X X X
providers
Loans to
health X X X
providers
11. Goal Where ? Intervention ? Result
Improved access BRAC/ Bangladesh + â˘In 2010 -reaching over 100
to health services million with health services
CRECER/Bolivia; health â˘24% receiving health service
fairs never had medical care before
Pro Mujer/Nicaragua â˘Increased pap smears for
primary health care cervical cancer from 36% to 95%
Ability to Bandhan/India; health ⢠33% would have delayed
afford care loans treatment without the loan
⢠62% felt able to afford other
necessities (food, education)
Better health Ekjut/India; â˘30 % reduction in newborn
outcomes Participatory health mortality
education and planning â˘> 50% in maternal depression
12. Integrating Microfinance and Health
Benefits Multiple Stakeholders
⢠Benefits to the microfinance provider
â Business benefits, ex. competitive advantage , retention of clients
â Healthier and financially more stable clients
â Achievement of social mission
⢠Benefits to Clients, households and communities
â Financial protection
â Better health access, knowledge and behaviors
â Improved health status and productivity
13. Potential to contribute to health is clear
The microfinance sector offers a unique opportunity
to address critical health needs of the
poor
So how can we move forward?
What are the barriers and how can they be addressed?
How do we identify â the best betsâ among health programs?
What mechanisms are needed for shared learning?
How can we speed the process of adoption and scale up?
16. Cost data; the question of sustainability
MFI Program annual cost
Per client
MAHP Programs; Philippines; Cost to institution
Govât insurance and PPP avg direct 0.29 $
avg indirect 1.59 $
Burkina Faso; savings/loans
Bolivia; health fairs
India;
health educ and products
Pro Mujer Health educ & clinical Cost to client 29.00$
services
Health Education-INDIA
â˘KAS Foundation Credit with health Cost to institution
education ( CwE) 1.20 $ ( first year only)
â˘MCS Campaign ( 4 MFIs) Health education 1.91 $
17. Ekjut (India): Participatory health education and action
planning
Randomized Control Trial (Population of 228,186,
Control Treatment
half assigned to treatment, half to control)
Change in NMR (per 1000 live births) +9.5% -32%
Change in still births (per 1000 births) -9% -31%
Change in early NMR (0â6 days) +12% -37%
Change in late NMR (7-28 days) +2% -20%
Other key findings:
â˘NMR reduction not associated with increased care-seeking or
health- service use.
â˘Home care practices showed significant improvement.
â˘Costs per newborn life saved = $910; Costs per DALY $33
17