other financial assistance. Because of their disease, people living with HIV/AIDS face ahigh risk of reduced income and higher medical expenses, which in turn forces them togo into debt and ultimately sell of their assets. Despite the fact that some households failto continue their business after some time (because of sickness or death of income earnersin the family), many are successful and use their profits to afford better medicine andfood, and even to send their children to school. To mitigate the risk of future disasters,Trickle Up promotes savings that can be deposited and withdrawn regularly and inflexible amounts by participants without having to leave their homes. As an incentive for savings, Trickle Up matches a portion of each participant’s savings. Since these familiesare vulnerable to economic shocks (slum fires, flooding) and health shocks (rain season,HIV-related symptoms), regular savings are meant to assist them in times of financialstress (to buy food and medicine during sickness and to restart their business once theyare strong enough again).
c.Description of target group/clients/members
Members involved in W.O.M.E.N.’s homecare program are HIV positive, which theylearned after taking a voluntary test. In many households at least one parent, usually themale and often the only breadwinner, has died as the result of the disease. At that time,in many families the virus has passed to the surviving spouse and several children,especially the younger ones. Frequent episodes of untreated sickness, lack of capital and previous business experience, and stigmatization are the most important hurdles these predominantly female-led households face when making a living.
II.Description of methodology:a.Summary of design concepts:
The project combines microenterprise development, promotion of savings and healthcareservices to poor people living with HIV/AIDS in Phnom Penh, Cambodia. A localTrickle Up coordinator is full-time in charge of the Trickle Up activities and steps (see below), but she is assisted by the homecare teams, who help her with savings collectionand who keep her informed about the participants’ health status. Through W.O.M.E.N.’shealthcare program, patients receive psychological and medical counseling and advice onsanitation and diet during frequent home visits by the teams, have access to some basicmedicines, and are referred to a local hospital for treatment in case someone becomesvery sick. Trickle Up’s microenterprise program consists of business training, business planning and $100 seed capital grants, given in two consecutive $50 disbursements. Thefirst disbursement takes place after completion of the business plan, and the second one iscontingent upon a successful business report. Once the enterprises are funded, weeklysavings are collected and matched up to a certain maximum. Savings are kept in acollective bank account for each group of 15 Trickle Up participants. From the beginning, at least two members of each family are involved in the program, so that oneof them can continue running the business in case another becomes sick or dies. The business leader is always an adult, but the business assistant can be an older child. Often,more than two people per family are involved. Each family is entitled to one Trickle Upgrant only.2