Health and Microfinance Partnerships against Poverty (4 of 8)

Health and Microfinance Partnerships against Poverty (4 of 8)

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  03/29/16 103/29/16 1 #18MCSummit#18MCSummit Bandhan Kolkata,India Market Research for health promotion
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  03/29/16 203/29/16 2 #18MCSummit#18MCSummit MarketResearch Process The market research was a week long exercise conducted with a team of 6 Bandhan staff members under a consultant hired by FFH conducted at ONE branch, situated in the district of South 24 Parganas ofWest Bengal amongst 224 Bandhan members out of the total of 2160 members (nearly accounts to 10% of the total members) in Baruipur branch.
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  03/29/16 303/29/16 3 #18MCSummit#18MCSummit Purposeof the research study To assess the demand for health protection services among poor women who have been members of Bandhan. To understand and identify the health protection needs of Bandhan members. To prioritize and design an appropriate and affordable product.
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  03/29/16 403/29/16 4 #18MCSummit#18MCSummit DemographicProfile of the target population. Age Group: 18-40 years(90% members fall under this age group) Average Family Size:4-6 members Average Income: $56-90 per month Sources of Income: - Small trades(bidi making, tailoring, making surgical instruments) agricultural activities, daily wage laborers and the like Average monthly expenditure on health: $11-18
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  03/29/16 503/29/16 5 #18MCSummit#18MCSummit Methodologyused for the research The study was conducted mainly using qualitative research methods. Two broad categories of methodology used are:  Focus Group Discussions (FGD)  Participatory Rapid Appraisal (PRA) Other methods: In-depth Interview with the local health service providers including the government hospitals. Secondary sources: recent health census
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  03/29/16 603/29/16 6 #18MCSummit#18MCSummit Researchfindings Major Diseases(%) 5.32 15.96 15.96 10.6413.83 15.96 9.58 12.77 Diahrrea Cold,fever and cough Gastric gynae problem jaundice Skin Disease Tuberculosis Appendix Major 3 Diseases • Cold, cough and Fever • Gastric • Skin Disease
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  03/29/16 703/29/16 7 #18MCSummit#18MCSummit Othermajor findings The respondents prefer Govt. hospitals since they provide cheap medical services. It has been observed that it is not the lack of access to health care services, but lack of ability to pay which is one of the main causes of health care problems presently faced in the study area. There is poor access to a variety of financial services to meet up their health care financing needs in times of emergency.
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  03/29/16 803/29/16 8 #18MCSummit#18MCSummit MarketResearch findings Contd.. They are interested to save for future to avoid inevitable financial crisis during health emergency. They are interested to receive preventive health education. The respondents also prefer Primary Health Centre for treatment of minor ailments. During emergency they are referred to visit private nursing homes.
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  03/29/16 9 #18MCSummit#18MCSummit Coping Mechanisms.. sourcesof financial loan% 28% 16% 29% 12% 7% 8% Credit of Moneny lenders Mortgage of assets Relatives neibour/friends Selling of assets others The data shows that respondents rely heavily on the moneylenders. The last resort for the respondents is to sell/mortgage their possessions to meet up their financial need during emergency.
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  03/29/16 1003/29/16 10 #18MCSummit#18MCSummit IntendedInnovation Market research report highlights the emerging health needs of the clients. In order to respond to those needs, Bandhan implemented the following health service options. Access to emergency health loan Access to medical services at a subsidized rate Access to savings Access to health education  Provide insurance service through Partner Agent Model. If not at this preliminary stage, but at least in the near future
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  03/29/16 1103/29/16 11 #18MCSummit#18MCSummit Proposedproduct Initially Bandhan introduced: Health Education Program Emergency Health Loan