MICRO CREDIT

Public health and development professionals are increasingly considering microfinance programmes as an opportunity to address both macro and micro-level determinants impacting women’s health behaviour 

and outcomes. The number of microfinance programmes worldwide has grown dramatically, following efforts of the Grameen Bank and others who successfully illustrated that small loan and savings services can be provided with a mutual benefit to the programme and beneficiaries on a large scale to low-income people. It has been suggested that more than 190 million households worldwide are utilising microfinance provided by more than 3500 microfinance providers. Microfinance programmes offer financial services such as loans, savings, and insurance to individuals with limited or no access to traditional markets. While the exact structure of microfinance programmes varies by provision of services, implementation, and delivery, a consistent underlying principle is that the loans are provided to borrowers who could 

otherwise not have access to similar funds. Low-income and typically self-employed microfinance borrowers often do not have access to formal loans or services from banks. 

Worldwide, a majority of the microfinance borrowers are women. 

It has still not been clearly shown a direct correlation between development of programs of microcredit, promotion of economic self-help and reduction of risky behaviour. Numerous literature works report as potential more effective interventions in terms of production of direct health benefits, those related to integration strategies between financial interventions based on microcredit together with non-financial interventions based on increasing awareness and training in health. In particular, the impact of microfinance on women's health represents an area of great scientific interest with still many cultural gaps to be solved. 

Pe atye kena” would implement a micro-financial support to women to help their self-empowerment and to improve their prevention efforts