The study was conducted on Vision Finance a microfinance institution of World Vision in Rwanda. The major research question focussed on determining the factors that have contributed default on loans disbursed to PLWHA clients by Vision Finance. Results show that chronic illness and death disrupt businesses, …

In the hard-hit countries by HIV/AIDS, the epidemic has eroded the development gains made in past decades. The spread of HIV is heterogeneous in Sub-Saharan African courtiers, with different peaks which vary geographically and in terms of their distribution among social or economic groups. Thus, there …

Economic underdevelopment in sub-Saharan Africa has a long history. Two centuries of globalization has left sub-Saharan Africa lagging far behind in its economic development - its income is twenty five times smaller than the income of the USA, the richest economy in the world. This unfavorable situation …