Skip to content
Licensed Unlicensed Requires Authentication Published by De Gruyter January 17, 2013

Leveraging microfinance to impact HIV and financial behaviors among adolescents and their mothers in West Bengal: a cluster randomized trial

  • Freya Spielberg , Benjamin T. Crookston , Sheila Chanani , Jaewhan Kim , Sean Kline and Bobbi L. Gray EMAIL logo

Abstract

Microfinance can be used to reach women and adolescent girls with HIV prevention education. We report findings from a cluster-randomized control trial among 55 villages in West Bengal to determine the impact of non-formal education on knowledge, attitudes and behaviors for HIV prevention and savings. Multilevel regression models were used to evaluate differences between groups for key outcomes while adjusting for cluster correlation and differences in baseline characteristics. Women and girls who received HIV education showed significant gains in HIV knowledge, awareness that condoms can prevent HIV, self-efficacy for HIV prevention, and confirmed use of clean needles, as compared to the control group. Condom use was rare and did not improve for women. While HIV testing was uncommon, knowledge of HIV-testing resources significantly increased among girls, and trended in the positive direction among women in intervention groups. Conversely, the savings education showed no impact on financial knowledge or behavior change.


Corresponding author: Bobbi L. Gray, MPA, Freedom from Hunger, 1644 Da Vinci Court, Davis, CA 95618, USA

We thank the Center for Microfinance at the Institute for Financial Management and Research and GfK Mode, whose research teams learned with us how to interview adolescent girls and their mothers about sensitive topics and also helped strengthen our research process. We thank the Child in Need Institute for its technical assistance dealing with how to treat sexual and reproductive health issues with adolescent girls in India. In addition, we gratefully thank the participating organizations, their staff members and their clients who all played an important role in implementing and participating in the Learning Games for Girls curriculum. We would especially like to thank Sri Mayapur Vikas Sangha and the Reach India team members and Service Center Managers for their participation, patience and implementation of the Learning Gamesfor Girls curriculum. Finally, we want to express our appreciation to Nike Foundation for investing in this program.

References

1. Knowles J, Berhman J. The economic returns to investing in youth in developing countries: a review of the literature. World Bank. [Online, 2005]. Available from http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2005/03/07/000090341_20050307153901/Rendered/PDF/316000HNP0KnowlesEconInvestYouth.pdf (accessed 20 July, 2011).Search in Google Scholar

2. Nath A. HIV/AIDS and Indian youth – a review of the literature (1980–2008). SAHARA J 2009;6:2–8.10.1080/17290376.2009.9724923Search in Google Scholar

3. Rao KS. Towards containing HIV/AIDS epidemic in India: policies and priorities under National AIDS Control Programme Phase-III (2007–12). J Indian Med Assoc 2009;107:274–5.Search in Google Scholar

4. Soletti AB, Guilamo-Ramos V, Burnette D, Sharma S, Bouris A. India–US collaboration to prevent adolescent HIV infection: the feasibility of a family-based HIV-prevention intervention for rural Indian youth. [Online, 2009]. Available from http://archive.biomedcentral.com/content/pdf/1758-2652-12-35.pdf (accessed 14 December, 2012).Search in Google Scholar

5. Srinivasan N. Microfinance India: State of the Sector Report 2009. New Delhi: Sage, 2009.Search in Google Scholar

6. Leatherman S, Metcalfe M, Geissler K, Dunford C. Integrating microfinance and health strategies: examining the evidence to inform policy and practice. Health Policy Plan 2012;27:85–101.10.1093/heapol/czr014Search in Google Scholar

7. Tripathy P, Nair N, Barnett S, Mahapatra R, Borghi J, et al. Effect of a participatory intervention with women’s groups on birth outcomes and maternal depression in Jharkhand and Orissa, India: a cluster-randomised controlled trial. Lancet 2010;375:1182–92.10.1016/S0140-6736(09)62042-0Search in Google Scholar

8. Manandhar DS, Osrin D, Shrestha BP, Mesko N, Morrison J, et al. Effect of a participatory intervention with women’s groups on birth outcomes in Nepal: cluster-randomised controlled trial. Lancet 2004;364:970–9.10.1016/S0140-6736(04)17021-9Search in Google Scholar

9. Sherer RD Jr, Bronson JD, Teter CJ, Wykoff RF. Microeconomic loans and health education to families in impoverished communities: implications for the HIV pandemic. J Int Assoc Physicians AIDS Care 2004;3:110–4.10.1177/154510970400300402Search in Google Scholar PubMed

10. Kim J, Ferrari G, Abramsky T, Watts C, Hargreaves J, et al. Assessing the incremental effects of combining economic and health interventions: the IMAGE study in South Africa. Bull World Health Organ 2009;87:824–32.10.2471/BLT.08.056580Search in Google Scholar PubMed PubMed Central

11. Watson A, Dunford C. From microfinance to macro change: integrating health education and microfinance to empower women and reduce poverty. [Online, 2006]. Available from http://www.unfpa.org/public/op/edit/publications/pid/1311 (accessed 14 December, 2010).Search in Google Scholar

12. Macaulay F, Harrelson W, Reilly E, Storm-Swire L, James-Wilson D, et al. State of the Field in Youth Enterprise, Employment and Livelihoods Development: Guide for Programming, Policymaking and Partnership Building. Making Cents, International 2010: Washington, DC. [Online, 2011]. Available from http://www.youtheconomicopportunities.org/state-of-the-field/publication/2010 (accessed 14 December, 2012).Search in Google Scholar

13. International Institute for Population Sciences (IIPS) and Macro International. National Family Health Survey (NFHS-3), 2005-06, India: Key Findings. Mumbai: IIPS. [Online, 2007]. Available from www.measuredhs.com/pubs/pdf/SR128/SR128.pdf. (accessed 17 December, 2012).Search in Google Scholar

14. Kanesathasan A, Cardinal L, Pearson E, Gupta S, Mukherjee S, et al. Catalyzing Change: Improving Youth Sexual and Reproductive Health through DISHA, an Integrated Program in India. International Center Research Women: Washington, DC. [Online, 2008]. Available from http://www.icrw.org/publications/catalyzing-change (accessed 17 December, 2012).Search in Google Scholar

15. Melgar-Quiñonez HR, Zubieta AC, MkNelly B, Nteziyaremye A, Gerardo MFD, et al. Household food insecurity and food expenditure in Bolivia, Burkina Faso, and the Philippines. J Nutr 2006;136:1431S–7.10.1093/jn/136.5.1431SSearch in Google Scholar PubMed

16. Shreiner M. A simple poverty scorecard for India. Center for Social Development, Washington University [Online, 2008] Available from http://www.microfinance.com/English/Papers/Scoring_Poverty_India.pdf (accessed 19 August, 2010).Search in Google Scholar

17. Raudenbush SW, Bryk AS. Hierarchical linear models: applications and data analysis methods. 2nd ed. Newbury Park, CA: Sage, 2002.Search in Google Scholar

18. Snijders T, Bosker R. Multilevel analysis: an introduction to basic and advanced multilevel modeling. Thousand Oaks, CA: Sage, 1999.Search in Google Scholar

19. Chanani S, Gray B. Reach India Cascading Report: outcomes of the post mini-survey on learning games for adolescent girls and their mothers administered by self-help promoting institutions (SHPIs). Davis, CA: Freedom from Hunger, 2010.Search in Google Scholar

20. UNGASS Country Progress Report 2008: India. National AIDS Control Organisation. Ministry of Health and Family Welfare. New Delhi, India. [Online, 2008]. Available from http://data.unaids.org/pub/Report/2008/india_2008_country_progress_report_en.pdf (accessed 31 March, 2010).Search in Google Scholar

21. Kumarasamy N, Venkatesh KK, Srikrishnan AK, Prasad L, Balakrishnan P, et al. Couples at risk for HIV infection in Southern India: characteristics of HIV-infected patients in concordant and discordant heterosexual relationships. Int J STD AIDS 2010;21:96–100.10.1258/ijsa.2008.008418Search in Google Scholar PubMed

22. Gray B, Ekoue-Kouvahey T. Microfinance and Health Protection Initiative Research Summary Report: PADME. Freedom from Hunger Research Paper No. 9. Davis, CA: Freedom from Hunger, 2010.Search in Google Scholar

23. Karlan D, Valdivia M. Teaching entrepreneurship: impact of business training on microfinance clients and institutions. Jameel Poverty Action Lab. [Online, 2009]. Available from http://www.povertyactionlab.org/evaluation/business-education-microcredit-clients-peru (accessed 17 December, 2012).Search in Google Scholar

Received: 2012-3-2
Accepted: 2012-4-25
Published Online: 2013-01-17
Published in Print: 2013-06-01

©2013 by Walter de Gruyter Berlin Boston

Downloaded on 2.5.2024 from https://www.degruyter.com/document/doi/10.1515/ijamh-2013-0024/html
Scroll to top button