Professional Documents
Culture Documents
NORTHERN NIGERIA.
BY
ABDULFATAI TOMORI
B. SC, MBF, MICE
FEBRUARY, 2008
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CHAPTER ONE
Introduction
Since the 1990s, many scholars including economists have been concerned with assessing
the effects of AIDS on households and by extension economy, more specifically, its
effects on national GDP growth (Casale and Whiteside, 2006). The economic impact of
(Whiteside and Barnett, 2003). In African countries, it has been estimated that AIDS
caused between 19% and 53% of all government health employee deaths, just when the
need for healthcare services is increasing rapidly. Acquire Immune Deficiency Syndrome
(AIDS) epidemic was first discovered in the United States of America in July, 1981
(Scoeberlein, 2001; Crowe, 2003; Mafeni and Fajemisin, 2003; Whiteside and Barnett,
2003; Craddock, 2004; Olufemi, 2004; WHO, 2004; David et al, 2005 and Okunna and
Dunu, 2006). It was the Centre for Disease Control (CDC) in the United States of
America (USA) that received the report of two strange diseases, Pnenumostic Carinii
Pneumonia (PCP) and Kaposi’s Sarcoma (KS). Since then, HIV/AIDS menace is
becoming increasingly a global challenge. For instance, UNAIDS (2007), UNFPA (2007)
and DFID (2007) report that, about 42million people are infected with HIV/AIDS and
The latest global estimates show that Human Immunodeficiency Virus (HIV) prevalence
now stands at over 25% in some countries in sub-Saharan Africa and everyday there are
nearly 1,800 new infections and 1400 death from AIDS related illness among children
below the age of 15 (UNAIDS, 2007; UNFPA, 2007). Presently, the death rates from
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AIDS already outweigh those from other killer diseases such as malaria (White and
Robinson, 2000; Attah, et. al, 2002; Mafeni and Fajemisin, 2003 and Okunna and Dunnu,
2006). There are many evidences that, the situation worldwide is going to get worse if
care is not taken. For example, the US government in recent time estimates that more
than 100million people will be infected with HIV by year 2010, with major outbreaks in
countries such as Nigeria, Ethiopia, Russia, China and India (Attah, et. al, 2002; Hunter,
2003 and Marlink and Kotin, 2004). More than 67 million will have died by that time and
the epidemic still not have peaked (Attah, et. al, 2002 and Marlink and Kotin, 2004). HIV
pandemic is the biggest obstacle to the achievement of the development goals agreed to at
the 34 to 46 million people globally infected live in Africa (Marlink and Kotin, 2004 and
Casale and Whiteside, 2006), where the number of cases is rising faster. Okunna and
Dunu (2006) report that, “of the estimated 40million people worldwide living with HIV,
28.5million (Approximately 70%) reside in Africa, with a great proportion of them being
Nigerians”. The UNAIDS/WHO (2006) reports on the global AIDS epidemic, shows that
Nigeria had 930,000 children orphaned by AIDS at the end of 2005. UNAIDS/WHO
further puts estimate of children orphaned by AIDS in Nigeria to 1.8-2million, that is, 1
AIDS is becoming widespread in Nigeria since 1986 when the first case was reported,
even though in 1988, the prevalence rate was just 1.8%. This rose to 5.8% in 2001; before
a slightly decline in 2003 to 5% and in 2004 to 4.4% (Attah, et. al, 2002 Mafeni and
Fajemisin, 2003 and UNAIDS/WHO, 2006). The UNAIDS/WHO (2006) research reports
reaffirm that no state or community is spared in this epidemic. It seems that, the Nigerian
government has since realized this and decided to support the effort of WHO’s objective,
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by setting up first National Expert Advisory Committee on AIDS (NEACA) in 1986 and
similar state committees on AIDS were set up to alert the members of the public on the
existence of this epidemic and how to prevent it. This further facilitated the adoption of
first ever written HIV/AIDS policy in Nigeria, in 1997 under Federal Ministry of Health.
Furthermore, the Nigerian government has approved a policy that aims to bolster the
response to HIV/AIDS in the country's workforce, the policy aims at protecting the rights
of people living with and affected by HIV, as well as providing information about options
A number of evidences indicate that poverty as well as ignorance has been the major
factors accounted for the widespread of HIV/AIDS infections in Nigeria. (Attah, et. al,
2002; Mafeni and Fajemisin, 2003; Ezeanwu, 2004; David, et. al, 2005; Irefin and
Afolagbade, 2006 and Abdulrahim, 2007). It is also observed that the society tend to
opportunities and in case they are already employed they may likely to relieved of their
jobs on the basis that they would not want the virus to be extended to them. This
redundancy tends to contribute to their poverty circle and makes them spread the virus
among innocent people in order to alleviate their poverty, apart from stigmatization
problem. It is against this background that this current study attempts to empirically
investigate the relationship between access to micro credit and the management of
HIV/AIDS in Nigeria using Sokoto metropolis as a case study. The study is expected to
examine how people infected with HIV would be able to better manage the infection
when given access to credit by micro finance institutions operating in the metropolis.
4
Today, the search for AIDS cure presents one of the greatest challenges to humanity
especially the contemporary medical health experts. Although, HIV/AIDS and their
menace had been in existence in Nigeria for some years, it was not until 1999 that a
serious national effort was made to tackle the problem. The then government of Olusegun
Obasanjo has placed high priority on prevention, treatment, care and support activities
(Atta et. al, 2002; Mafeni and Fajemisin, 2003 and WHO, 2004). It has established two
key institutions- the Presidential Committee on AIDS (PCA) and the National Agency for
Control of AIDS (NACA) to coordinate the various HIV/AIDS related cases in the
country (Attah, et. al, 2002 and WHO, 2004). Partners including the United Nation (UN)
System have provided increased technical and institutional support to strengthen NACA’s
efforts and enable the agency to better coordinate the National AIDS response. To this
end, an institutional support 2007 work plan has been developed for consolidated support
of the UN system, based on priorities areas identified by the NACA. The process of
scaling up towards universal access to HIV prevention, treatment, care and support by
2010 has begun. Similarly, a national and state road map as well as set targets have been
developed (Kaiser, 2007). The contribution of civil societies and Donor agencies in
setting and achieving the targets in line with the Paris Declaration and Global Task
Unfortunately, the intervention programs so far have not yielded very significant impact
in stemming the epidemic especially as the results from previous sentinel surveys show a
steady rise in the prevalence of HIV Sero-Positivity. Recent anecdotal reports indicate a
continuing rise in prevalence from selected populations and laboratory facilities around
the country. Those reported to be the most affected remain the youths and adolescents
(FMH and NACA, 2002; Mafeni and Fajemisin, 2003; WHO, 2004; Okunna and Dunnu,
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2006; UNAIDS/WHO, 2006; Haruna, 2007 and Nwabueze, 2007). Despite the fact that,
areas (Okunna and Dunnu, 2006), still the issue of HIV/AIDS and their associated
problems such as poverty and stigmatization are in wide spread in the country.
Therefore, for the purpose of this research work the following research questions may be
relevant.
Metropolis?
(ii) What is the income status of People Living with HIV/AIDS in the Metropolis?
metropolis?
The main objective of this research work is to examine the extent to which access to
i To identify the income status of People Living with HIV/AIDS in the metropolis.
the metropolis.
HIV/AIDS is no longer an exclusively health issue as it has been established that poverty
contributes to the spread of the diseases. As a result, the research findings of this study
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microfinance institutions in identifying the performance of their efforts and promoting
the best practices for the prevention and mitigation of HIV/AIDS in the country in
general and Sokoto metropolis in particular. The findings are also expected to provide a
Similarly, the research findings are hoped to encourage the donor organizations, NGOs,
FBOs, CBOs etc in providing financial and technical assistance in the areas of alleviation
environment for people living with HIV to gain more access to micro credit in order to
reduce their poverty level and at the same time manage the disease effectively.
Furthermore, due to the fact that the research in this area of study is insufficient,
particularly in Nigeria where the available data on HIV/AIDS are often duplicated,
replicated and scanty as a result of poor funding, hoarding of research finding, lack of
specific focus and lack of effective co-ordination. The findings of this research will be
useful to the policy makers and other stakeholders in renewing their interests and efforts
on controlling the disease in the country especially considering labour loss and labour
productivity. Finally, the study will add to the existing literature in the field, which is now
receiving utmost attention from academicians, administrators and the general public
alike.
As noted earlier, the main purpose of this research work is to establish a correlation
between access to micro credit and HIV/AIDS management in Sokoto Metropolis. The
study covers a period of 7 years i.e. between 1999 and 2006, this coincides with Obasanjo
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limitations. Some of these include time, data and financial constraints. These are
discussed below:
Time constraint is one of the limitations to this research work. The study is confined to
one year period and carried out together with the course work. To overcome this
constraint, the researcher decides to use lecture free period, week ends, and semester
Another constraint faced by the research is that lack of adequate data. To source data for
the research work is not an easy task especially as data relating to the area under study is
not common in libraries located in Sokoto. Owing to this, the researcher resorts to
sourcing relevant data from electronic means such as internet in addition to those sourced
from the university libraries located both at main and city campuses. Likewise
questionnaire as an instrument of data collection will be used to source data from primary
source. This is just to ensure an unbiased study work. Incorrect information by the
problem. To solve this, the researcher employs the services of some research assistants
who are educated and familiar with the target respondent. Where necessary, the
There is also financial constraint as a limitation to this study. Any research work, which is
not properly and adequately funded, is likely going to fail just like moving a vehicle
without fueling. To overcome this problem, the researcher decides to rely heavily on
proposal for the explanation of phenomenon or situation that has some degree of
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empirical substantiation or probability. In other words, it is a suggested solution to a
There are two major types of hypothesis, the null and alternative hypothesis. However,
for the sake of this research work, the following hypotheses may be relevant.
Hi (a): there is significant positive relationship between access to credit and HIV/AIDS
management.
Hi (b): the higher the income status of people living with HIV/AIDS the better the
1.7. Chapterization
This research work is proposed in five chapters. Chapter one, which is for introduction
covers background to the study, statement of the problem, objectives of the study,
significance of the study, scope and limitations of the study, research hypotheses and
organization of chapters.
micro credit and HIV/AIDS management, HIV/AIDS trend in Sokoto state, and ends with
Chapter three focuses on research design and methodology it discusses the organization
of the research work and procedures to be used. The chapter covers sampling techniques
and size, sources of data as well as techniques of data analysis. Chapter four, deals with
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data collection and analysis of results. Finally, Chapter five, summaries, concludes and
Although HIV and AIDS are related, actually they are two different things (Gilks, 1998;
Crowe, 2003 and Olufemi, 2004). The word HIV can be looked at literally where ‘H’
stands for Human, that is ‘man’ or ’human being’ ‘I’ connotes Immunodeficiency; which
means ‘human body inefficient’ and ‘V’ represents ‘virus’, that is the virus that caused
the inefficient of the body. AIDS too can be literally defined in the same perspective
where ‘A’ stands for Acquire; which means ‘to get’, ‘I’ on the other hand means Immune;
which means ‘protected’, ‘D’ stands for Deficiency; ‘lack of’ and ‘S’ represents
Therefore, AIDS is a condition that develops from an HIV infected person. However,
there are two types of HIV; they are HIV-1 and HIV-2. The former is the earliest stage of
the disease where as the latter means the development of the disease into a full-blown
Schoeberlein (2001) observes that AIDS case definition includes all HIV-infected
adolescents and adults aged less than 13 years who have either (a) less than 200 CD4 + T-
lymphocytes per micro liter of blood (1/5000th of a teaspoon); (b) a CD4 + T-lymphocyte
percentage of total lymphocytes of less 14%; (c) any of the identified opportunistic
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1997) AIDS is a disease characterized by progressive damage to the body’s immune
outcomes. AHRTAG (1997) further explains that the virus attacks the body’s defense
(1997) concludes that, the viruscan only live inside human body and it only survives for a
short time outside the body. According to Mujinja and Over (1993) HIV is a disease
which destroys the body’s immune system leaving the body opens to infections to the
extent that it cannot fight in the normal way. They add that when this happens the
Gilks (1998) on the other hand sees AIDS as a chronic disease that is ultimately fatal but
individuals diagnosed as HIV positive, may live with the virus for a number of years. He
laments that the virus is associated with the body fluids such as blood, blood products,
saliva, tears, breast milk and particularly semen and virginal secretions. Gilks (1998)
further confirms that AIDS is caused by a virus called HIV which is very small living
organism that causes many different diseases in humans, animals and plants. He laments
that the viruses are so small that even if millions are put together, they cannot be seen
with eyes. The World Health Organization (2004) adds that the viruses are among the
smallest and simplest living things, they cannot reproduce on their own rather they
Akinkugbe and Falase (2000) discover that the virus (HIV) reproduces in certain cells in
human blood called White Blood Cells (WBCs) which are very important part to human
immune system that defends the body from infections. They add that when a person
becomes infected with HIV, the virus begins to live and reproduce in the White Blood
Cells (WBCs) and continue to multiply until there are millions of viruses present. While
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AIDS on the other hand, is the terminal manifestation of this Viruses (HIV) infection.
Finally, Bennet (1990) has summarily described the disease in three dimensions. Firstly, it
is the epidemic or the silent epidemic which is largely hidden and spreading rapidly
throughout the world. Secondly, AIDS epidemic is the visible consequences of invisible
virus called ‘HIV’ and thirdly the epidemic moves beyond the medical to the social,
which refers to the denial, blame, stigmatization, prejudice and discrimination that is
The story of HIV/AIDS emerged in 1979 and 1980 when doctors in the US observed
(Whiteside and Barnett, 2003). The phenomenon was first reported in the Morbidity and
Mortality Weekly Report (MMWR) of 5 June 1981 published by the US Center for
Disease control in Atlanta (Crowe, 2003; Mafeni and Fajemisin, 2003; Whiteside and
Barnett, 2003; Olufemi, 2004; WHO, 2004; David et al, 2005 and Okunna and Dunu,
2006). The MMWR recorded five cases of Pneumocystics Carinii in Atlanta and
clustering of Pneumocystics Carinii in New York in a month later (Crowe, 2003 and
Whiteside and Barnett, 2003). Available evidence shows that AIDS epidemics began to
take root among heterosexual men, women and children in sub Saharan Africa shortly
after its detection in the United States (Crowe, 2003 and Whiteside and Barnett, 2003).
In the US, about 40,000 new infections occur each year and more than 30 per cent of
these infections occur in women and 60% in ethnic minorities (Okunna and Dunu, 2006).
The disease has since reached alarming rates to the extent that the United Nation Report
in 2003 warned that unless richer countries of the world intervened, 70 million people
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would die of AIDS by the year 2020. The report further revealed that; of the 3 million
people who died of AIDS in 2001; 2.2 million of them were from Sub Saharan Africa that
makes Africa the most affected continent with HIV/AIDS globally. The World Health
Organization (2004) reported that the first case of AIDS in Africa was discovered in
Central Africa in 1982 with less than 0.3% cases. This estimation has risen as far as 1.7
million (1.4 - 2.4 million) new HIV infections in 2007. Similarly, an estimated 22.5
million (20.9 - 24.3 million) people living with HIV, or 68% of the global total, are in
sub-Saharan Africa (UNAIDS, 2007). In West Africa though HIV affect relatively less
but prevalence rates in some countries are increasing, especially in countries such as
Cameroon, Cote d’Ivoire and Nigeria (Cohen, 1998; Mutangandura, 2000 and Hunter,
2003). The onset of the HIV epidemic in West Africa began in 1985 with reported cases
in Cote d’Ivoire, Benin and Mali. Nigeria, Burkina Faso, Ghana, Cameroon, Senegal and
Liberia followed in 1986. While Sierra Leone, Togo and Niger in 1987, Mauritania in
1988; in 1989, the incidence emerged in The Gambia, Guinea-Bissau and Guinea and
finally in 1990 was the turn of Cape Verde (Hunter, 2003 and Craddock, 2004).
The first AIDS case was reported in Nigeria in 1986 in a sexually active 13 years old girl
(FMH and NACA, 2002; NCGHHR, 2002; Hunter, 2003; Mafeni and Fajemisin, 2003;
Craddock, 2004; Malink and Kotin, 2004; Irefin and Afolagbade, 2006 and Okunna and
Dunu, 2006). As at that time the response was to deny the fact that this was a significant
problem (NCGHHR, 2002 and Mafeni and Fajemisin, 2003). Though a National Expert
Advisory Committee on AIDS (NEACA) was established in the same year, little else was
done. No concerted attempt was initiated to prevent the spread of the epidemic
(NCGHHR, 2002 and Mafeni and Fajemisin, 2003). The main perception was that
HIV/AIDS is a disease of the western world associated with men who had sex with men
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(NCGHHR, 2002). The first sentinel survey conducted in 1991 showed HIV prevalence
to be 1.8%, because there was very little visible evidence of AIDS, the country took only
people into adopting safer sexual practices but these were narrow and fell on the deaf ears
of a largely disbelieving public (Attah, et al, 2002; Mafeni and Fajemisin, 2003; Irefin
Unfortunately, it is now realized that this scare mongering led to the high levels of stigma
and discrimination towards those living with HIV/AIDS that became so common (Attah,
et al, 2002; Mafeni and Fajemisin, 2003; Craddock, 2004; Malink and Kotin, 2004; and
Irefin and Afolagbade, 2006). For instance, the HIV prevalence in the country rose from
1.8% in 1988 to 5.8% in 2001 (Nwabueze, 2007). Since 1991, the Federal Ministry of
Health has carried out a National HIV/Syphilis Sentinel Sero-prevalence Survey every
two years (NCGHHR, 2002 and Mafeni and Fajemisin, 2003). Meanwhile, the 2003
Survey estimated that there were 3,300,000 adults living with HIV/AIDS in Nigeria and
1,900,000 (57%) of these were women. In addition, the 2003 survey revealed that, the
prevalence rates varied from as low as 1.2% in Osun State to as high as 12% in Cross
prevalence over 5%. These figures, according to the report, give support to the claim that
there are explosive, localized epidemic in some states. Meanwhile, in 2005 it was
estimated that there were 220,000 deaths from AIDS and 930,000 AIDS orphans living in
Nigeria (Okunna and Dunu, 2006). There has been also an alarming increase in the
number of HIV positive children in recent years, 90% of which contact the virus through
their mothers. Presently, Nigeria is reported to be the second largest HIV prevalence in
Africa after South Africa (Attah, et al, 2002; NCGHHR, 2002; Mafeni and Fajemisin,
14
2003; Craddock, 2004; Malink and Kotin, 2004 and Haruna, 2007). Now the question is:
why the widespread of the disease in the country? This is explained below:
According to report placed on avert.com, some 80% of HIV infections in Nigeria are
include low levels of condom use and high levels of sexually transmitted infections
(STIs) such as Chlamydia and Gonorrhea, which make it easier for the virus to be
transmitted (avert.com, 2007). Blood transfusions are responsible for about 10% of all
HIV infections. The remaining 10% of HIV infections are acquired through other routes
injecting drug use. Other factors are: lack of sexual health information; stigma and
discrimination; poor health services; gender and inequality; poverty; harmful marriage
and cultural affiliation and prostitution. Some of these are discussed below.
Up until recently, there was little or no sexual health education for young people and this
has been a major barrier to reducing rates of HIV and other STIs thereby increasing
transmission rates as well as stigma and discrimination towards people living with
HIV/AIDS. Stigma and discrimination is another problem, where both Christians and
Muslims see immoral behavior as being the cause of the HIV/AIDS epidemic (Okunna
and Dunnu, 2005). This according to Ali-Dinar (2007) affects attitudes towards PLWHA
and HIV prevention adversely. PLWHA often lose their jobs or are denied health care
of the institution will be based on HIV/AIDS test is a living witness. Though, this has
generated a lot of reactions from stakeholders in the war against stigmatization and
15
discrimination of PLWHA. While, due to the stigma admitting to HIV infections, some
individuals choose to continue to engage in unsafe sexual practices which thus, spread
HIV to new sexual partners. Poor health care services in no means have also contributed
It has been discovered that there is indeed a direct correlation between women's low
status, the violation of their human rights and HIV transmission (Haruna, 2007). The
reason that AIDS has escalated into a pandemic is simply because of inequality between
women and men continues to be pervasive and persistent (Long and Ankhrah, 1996;
Lather and Smithies, 1997; Baylies and Bujra, 2000 and Nnaka, 2004). The report of
socio-economic status of PLWHA in Sokoto metropolis also attest to this claim, where
females are more infected than male by margin of 22% (Abdulrahim, 2007). In the light
of this, leaders across the world have agreed that women are more infected; more affected
and took the burden of the HIV/AIDS epidemic, yet little progress has been made in the
area of addressing the rights of women affected with HIV/AIDS (Haruna, 2007). There
are other reasons why women are more vulnerable than men to HIV/AIDS, according to
Walker (2002) cited in Irefin and Afolagbade (2006) they include female physiology,
women’s lack of power to negotiate sexual relationships with male partners especially in
marriage, and the gendered nature of poverty, with poor women particularly vulnerable.
He further asserts that inequalities in gender run parallel to inequities in income and
assets. Finally, he concludes that women are vulnerable not only to HIV/AIDS infection
Harmful marriage practices according to Yamanchi (2007) also make women to be prone
to HIV/AIDS than men. In Nigeria for instance, there is no legal minimum age for
marriage and early marriage is still the norm in many rural areas. Parents see it as a way
16
of protecting young girls from the outside world and maintaining their chastity. Many
girls get married between the ages of 12 to 13 and there is usually a large age gap
between husband and wife (Haruna, 2007). As a result, young married girls are at risk of
contracting HIV from their husbands as it is common for men to have sexual partners
(FGM) is another reason why women are more prone to HIV/AIDS than men FGM is a
cultural practice whereby all or part of the external female genitalia is removed by cutting
(avert.com, 2007). For instance in 2000, a percentage of about 60 of all Nigeria women
experience FGM and it is most common in the Southern Nigeria, where up to 85% of
women undergo it at some point in their lives (Okunna and Dunnu, 2006). FGM puts
women and girls at risk of contracting HIV from un-sterilized instruments, such as knives
and broken glass that are used during the procedure. Although, prostitution is illegal in
Nigeria, there are more than a million female sex workers in the country (WHO, 2004).
HIV infection rates among sex workers have been estimated to be as high as 3% in some
Lugalla et al (1992) linked the AIDS epidemic with the years of economic crisis in the
early 1980s that saw the scarcity of essential commodities. These economic hardships
countries. The situation widened the web of sex networking, and in this way facilitated
the early rapid spread of HIV. HIV/AIDS too intensifies poverty, leads to its persistence
and over time generates a culture of poverty. When parents are sick and die from AIDS-
generation. The circle of poverty is likely to repeat itself and felt over generations (Casale
and Whiteside, 2006). Interventions to mitigate the effects of the pandemic on the rising
17
generations are needed. HIV/AIDS appears to interact strongly with poverty and has
(Barnett and Whiteside, 1992). HIV/AIDS has acted to intensify the disadvantages
imposed on the poor households and communities (Singhal and Rogers, 2003). Some of
The epidemic has both economic and social impacts as seen below.
In countries where a full-blown AIDS epidemic has taken hold as in Nigeria, public
resources are diverted from active development to crisis management, productivity of the
structures may break down, and there may be risks to political stability and the rule of
law. HIV/AIDS leads to lower levels of health arise because of the costs of caring for
family members with HIV, funeral expenses and the premature mortality among younger
adult members which potentially constitute the loss of an earring member of a household,
coupled with a lack of adequate mechanisms to cope with these financial shocks (Bechu,
1998; Alban, 1999; Magill, 2002 and Parker, 2002). Therefore, the actual cost of dealing
with HIV/AIDS at the family, community, company and national levels constitute the
total expenses. The expenses comprise both the direct and indirect costs. The direct costs
are expenses incurred in dealing with disease. These costs related to healthcare can be
easily estimated from the time a person is first tested HIV positive to the point when he
dies, a measurable amount of money will be spent on his health care (Ibrahim, 1999).
This cost may be borne by the individual, the family/relatives, employers, insurance
compares, medical aids societies or the public health system (Abdulrahim, 2007).
18
Similarly, AIDS infected households might spend increasing proportion of their income
and/or ineffective, the expensive might be wasted completely (Abdulrahim, 2007). The
income, as working adults falling ill or dying or having to stop work to look after
children and/or the ill; additional expenditure on health care and funerals (Bollinger et. al
HIV/AIDS epidemic has devastated families in both emotionally, socially and financially
in Nigeria (David et al, 2005 and Abdulrahim, 2007). In addition to the expenses incurred
by individuals, each affected family must bear the physic costs associated with the death
and illness of a family member, the breakdown in family structure and the stigma
associated with HIV. In 2000 for instance, the UN Security Council identified HIV/AIDS
as a global security risk as well as a human security issue (Mathins, 2005). The high
attrition caused by AIDS deaths, countries risks exacerbating instability and the spread of
HIV can increase, as armies with highly HIV prevalence are involved in peacekeeping
derives in great part from the virus’s specific demographic effects (Broombery et al, 1997
HIV/AIDS changes the structure of the population; it is distinct from other diseases
because it strikes prime-aged adults, the most productive segment of the economy
(Barnett and Whiteside, 1992). Thus the breadwinners are falling ill and dying,
destroying much-needed skills and depriving children of their parents. The repeated
impact of HIV/AIDS is most evident in the continent’s orphan crisis (Wilson, 2001 and
19
Germann, 2004). Approximately, 12 million children in sub-Saharan Africa are estimated
to be orphaned by relatives including especially grand mothers, but the capacity of the
extended family to cope with this burden is stretched very thin and is, in places,
collapsing (Ainsworth and Dayton, 2001 and Wyse, 2007). This may be the reason why
orphan crisis a humanitarian priority. Other impacts of the disease are considered below.
AIDS is often one of the serious factors aggravating an already difficult situation in
exacerbating already difficult problems with climatic variability and poverty (Whiteside,
1994). A lot of countries are witnessing a systematic erosion of the productive capacity of
whole communities stemming from the HIV/AIDS pandemic (Yamano and Jayne, 2002).
Consequently, between year 2002 - 2003 at least 14 million people were deemed food
insecure and in need of food assistance (UNAIDS/WHO, 2006). Increased morbidity and
mortality of the prime-age adult population may lead to fewer agricultural workers and a
reduced amount of food produced and made available, as well as a smaller variety of
crops grown. At the same time, those living with the epidemic have a more acute need for
Off-farm income is substantially affected by the death of the male head of household, but
not that of other adult members. The loss of income from the cultivation of traditional
cash crops is mainly from death of males, which is a major source of hardship for the
20
the general population, subsistence agriculture is an important source of livelihood for the
majority of the population and a significant economic sector (Yamano and Jayne, 2002).
AIDS-affected households are those where household members are not infected, but have
been affected by HIV/ AIDS, for example, through the diversion of household resources
no member is ill or has died from AIDS and which has not been affected by the illness or
death of a member of any related household (Jill, et al, 2001). These terms are now
common parlance in the field of HIV/AIDS work, and implicitly broaden the scope of
households where a member has been afflicted (Whiteside and Wood, 1995 and Jill, et al,
2001).
Households also experience a loss of financial assets in several areas owing to AIDS
infection. Labour may be diverted from economically productive activities such as paid
employment or cash-crop production to care for the sick individual, and money is needed
for medication and to pay funeral costs after the inevitable death. Even if a single AIDS-
related death has a similar impact on a household as a death from other causes, the large
number of deaths due to the epidemic may cause disproportionate harm to a household or
community at large (Ainsworth and Dayton, 2001; Wilson, 2001; Parker, 2002 and Wyss
et al, 2004). As a result of all these impact and others not mentioned in this section the
need for the intervention of the Microfinance Institutions through the provision of proper
access to micro credit for People Living with HIV/AIDS is necessary to alleviate their
21
According to Otero (1999) cited in Cornford (2000) micro finance is “the provision of
financial services to low-income poor and very poor self-employed people”. These
financial services according to Mathins (2003) generally include savings and credit but
can also include other financial services such as insurance and payment services.
Cornford (2000) on the other hand, sees microfinance as “the attempt to improve access
to small deposits and small loans for poor households neglected by the traditional banks”.
loans and insurance to poor people living in both urban and rural areas who are unable to
obtain such services from the formal financial sector. However, Conford (2000) further
observes that the demand for microfinance services usually comes from ‘micro
entrepreneurs’; people who survive by generating income for themselves in very small
business activities. Micro credit on the other hand, is the extension of very small (micro
loans) to unemployed, to poor entrepreneurs and others living in poverty that is not
considered bankable. These individuals, according to Liew (1997) lack collateral, steady
employment and a verifiable credit history and therefore cannot meet even the most
Microfinance is also defined by Karlan and Zinman (2006) as the provision of relevant
and affordable financial services to poor households that do not have access to the
services offered by ‘traditional’ financial institutions. They add that the 'micro' prefix
refers to the size of the financial transactions; it does not imply that the MFIs themselves
are small. Although, microfinance is primarily concerned with credit and savings, in
recent times, allied services such as insurance, leasing, payment transfers and remittances
are being introduced to the mix of services. Ganyaza-Twalo and Seager (2005) consider
micro credit as a part of microfinance, which provide financial services to the very poor;
22
apart from loans, it includes (money) savings, micro insurance and other financial
an income and, in many cases, begins to build wealth and exit poverty.
In most of African countries and indeed Nigeria, the use of micro finance programmes as
a poverty alleviation tool has not been very successful (Akanji, 2001). However, it is
important to note that the differentiated levels of success archived by micro finance
competitive pricing, efficient and effective delivery of products and services, innovation
continues improvement of the products and offered, management skills, commitment and
experience has also shown that while continuous, dependable and long-term sustainable
funding is so essential for successful microfinance programmes, more often than not, lack
of focus; business acumen and skills; limited outreach; poor banking culture-willful
programmes that out rightly contravene market forces, affect the success of micro finance
Nigeria, as below:
Micro financing is not a new phenomenon in the Nigerian society as evidenced by some
cultural economic activities such as “Esusu”, “Ajo”, “Adashi”, “Otataye” etc, practiced to
provide funds for producers in the rural communities (Ehigiamuosoe, 2005 and
Enechukwu, 2005). Over the years, successive governments in Nigeria have made several
23
attempts to address the issue of access to finance amongst poorer Nigerians to allow them
partake in micro and small scale economic activities (Okonjo-Iweala, 2005). Efforts so
far include Agricultural Development Programmes (ADP), Rural Banking Schemes, the
and Rural Infrastructure (DIFRRI), Better Life for Rural Women (BLRW), Family
could amongst other functions provide additional funding for institutions engaged in
micro finance have been established. These include the Nigeria Industrial Development
Bank (NIDB), the Nigerian Bank for Commerce and Industry (NACB), Nigerian
Agricultural and Cooperative Bank (NACB) and the Federal Mortgage Bank (FMB).
Most recently, the Small and Medium Industries Equity Investment Scheme (SMIEIS)
was created to provide equity resources for small and medium industries. Currently there
are 177 micro finance institutions in Nigeria. Some of these are as follows:
People’s Bank of Nigeria was established by the Federal Government in 1989 with initial
capital of #30 million. Specifically, the bank is to meet the credit need of small borrowers
commercial banks. Initially, it granted loans in the lower range of #50 to N 5,000 or as
higher as N 20,000 depending on how large the trade is and it is performances. The loans
given require no or little collateral and it did not attract much interest in the pay back.
The beneficiary will only be charged a small proportion of the loan to enable the bank
24
A community bank in Nigeria is self sustaining financial institution owned and managed
National Board for Community Banks (NBCB) processes application for the
1990. Since then NBCB has issued final licenses by the CBN after operating for two
years. Currently there are about 502 community banks legally operating in Nigeria.
The Nigerian Agriculture, Cooperative and Rural Bank Limited (NACRDB) established
in 2000. This is as a result of the merging of the then Agricultural Bank, Peoples Bank of
redress the weakness of existing system whish was saddle with myriads of lack of
appropriate skill to mobilize identify the poor and cannot therefore provide the essential
accelerate its housing delivery programme. The FMFL is expected to expand and
mobilized and equity contributions by the Federal Government and CBN at rates of
interest below the market rates. The Federal Mortgage Bank of Nigeria (FMBN) served
as regulatory body for FMFL. FMBN also expected to provide long-term credit facilities
individuals desiring to acquire houses of their own; encourage and promote the
emergence and growth of Primary Mortgage Institutions (PMIs) to serve the need of
25
housing delivery in all parts of Nigeria; and to collect, manage and administer
Unfortunately, most of these programmes have at best recorded little success in securing
wide access to sustainable micro credit as a critical instrument for growth and poverty
reduction (Adelaja, 2005 and Kimotha, 2005). For instances, a CBN survey of in 2001
identified 1600 MFIs in which their operation have not grown much in term of size,
branch expansion, staffing, saving and credit levels (Kimotha, 2005 and Kpakol, 2005).
The reports conclude that MFIs in Nigeria are still continue to constrain by weak access
inadequate experienced of credit staff and client apathy (Ehigiamouse, 2005). Meanwhile,
it has been suggested that for micro finance institutions to ease poverty and contribute to
the economic development of the country there is the need for them to resolve the
saving habit in the rural people (Adelaja, 2005 and Kpakol, 2005). Below are some
There is no gain denying the fact that poverty is major causer of HIV/AIDS in most of
the third world countries (Otim, 2006). Poverty is both a cause and a consequence of
HIV/AIDS. It increases the risk of contracting HIV/AIDS (Shisana and Simbayi, 2002
and Singhal and Rogers, 2003). In many developing countries, the most disfavored
people are also those who are mostly affected by infectious diseases. Therefore, by
redressing economic vulnerability of people living with the virus through micro credit
programs and the infected households would regain their autonomy and authority. The
26
need for more micro credit for PLWHA in order to alleviate their poverty and manage the
HIV problem is inevitable (Abdulrahim, 2007). Otero (1999) cited in Cornford (2000)
and Frances et al (2004) illustrates the various ways in which “access to micro credit
combats poverty and by extension AIDS epidemic”. Both agreed that microfinance
creates access to productive capital for the poor especially PLWHA, which together with
human capital help in addressing poverty through education and training. By providing
material capital to a poor people, their sense of dignity is strengthened and this can help
to empower such persons to participate in the economy and society. This is important as
women in Africa produce 80 percent of the food, but receive only 10 percent of the credit
made available for agriculture (Ganyaza-Twalo and Seager, 2005). Micro Credit projects
are thus regarded as an alternative source of credit for women and poor families
(Mathins, 2003).
Therefore, it has been maintained that, without proper access to credit, PLWHA are often
stuck in the cycle of poverty with no opportunities to improve their lives or those of their
anti-retroviral drugs, and care/support into female-only micro credit groups, women are
more likely to get the information they need. As a result of the income earned through
micro credit projects, women are better positioned to care for family members infected
with HIV/AIDS, to send their children to school, and to have the financial stability that
will help them to avoid high-risk sexual behavior. When HIV/AIDS is devastating the
little income that women have, just a few dollars in loans can make a life-changing
Some evidences however have debunked the claimed that access to micro credit could
solve poverty and AIDS epidemic. For example, Durban Project HIV of Kolkata, India in
27
2007 assisted some sex workers to develop an alternative sources of income, they were
provided with loan of 700 rupees, so that they can stabilize themselves and their families,
unfortunately the sex workers continued with their normal sex work not minding the
money given. One of the beneficiaries (sex workers) declares that, throwing money on
them can not make them stop what they are doing, she concludes, ‘it is about our self-
esteem as women, we get honor from earning our own money through commercial sex
work’ (DFID, 2007). Also, scholars have argued that forcing clients to borrow for micro
entrepreneurial activities in order to gain access to credit does not address the needs of
low-income clients (Conford, 2000). Instead, clients may be forced to ‘invent’ a micro
enterprise plan in order to access sums of money which they can repay but which may not
Focusing on the Pacific, Liew (1997) notes that, in rural communities and especially
among the disadvantaged (mostly PLWHA), the demand for cash is primarily to meet
emergencies, for schooling of their children, to meet traditional and religious obligations
and for other basic necessities, rather than treatment of diseases like AIDS. He maintains
that the demand for cash is rarely for starting a micro-enterprise or income earning
then low-income clients are likely to find micro credit of little use. He further stresses
that, in many cases, very poor people are risk-averse; they do not want to go into debt and
fear losing what little they have in the event of their micro enterprise activity failing to
generate sufficient income to repay their loan. For them, access to savings services may
be perceived as far more useful (Liew, 1997). The growing number of clients accessing
voluntary savings services indicates that it is the ability to access safe, flexible savings
28
services to ‘smooth’ unexpected or seasonal cash requirements which many poor clients
value.
By and large, the connection between poverty and AIDS epidemic is indeed considered
straightforward and since there is currently no vaccine available to effectively prevent the
spread of HIV there is the need for an alternative which is the access to micro credit. This
may be the reason why Opportunity International, a non governmental organization has
expressed the challenge of MFI in a paper released in 2000 that, "if AIDS awareness has
not reduced the rate of infection, there is the need for the alternative mode of managing
the menace i.e. micro credit” (ICAD, 2001). To further appreciate this development,
below are some of the empirical studies on access to micro credit and the management of
HIV/AIDS.
2.8. Some Empirical Studies on Access to Micro Credit and HIV/AIDS Management
Schuler and Hashemi (1994) cited in Carolyn (2003) illustrates how GHESKIO Center
and the ACME Association that manage PLWHA in Haiti have impacted positively on
their beneficiaries. The beneficiaries (PLWHA) were given a loan of between €30 and
€500, with an interest rate of 2% per month. The loan was given for various commercial
activities (selling clothes, food products, hardware goods, cloths, warm food, etc.). The
first result was encouraging as 77 participants accessed the loan facilities and more than
40 of them were able to cross over the poverty line and manage their AIDS disease
effectively. Similarly, the Rodolphe Mérieux Foundation in Haiti had initiated a micro
credit program that takes part in validating a multi-factorial approach to the fight against
AIDS, and more considerably to helping development. The results of the foundation’s
effort show that about 52% of the clients (PLWHA) cross over the poverty line within 6
months.
29
Romanns (2006) study also shows how access to micro credit is used to manage AIDS
epidemic in Ghana. The study evaluates the impact of the micro-credits on the
beneficiary (PLWHA) based on three indicators: economic (the capacity to live on their
own, to pay for their childrens’ school fees, to generate commercial activity), social (the
integration and relations with their family and neighborhood, the capacity to recruit other
micro credit beneficiaries), and medical (state of health, clinic consultation and adherence
to the AVR treatment). The findings of the study was encouraging as for instance, in the
area of economic indicator 95% were able to buy food, 92% bought new clothes and 40%
have the possibility to pay their rent compared to 46%, 3% and 23% respectively for non
beneficiary group. While social indicator result reveals that, there is a reduction of the
discrimination/ stigmatization phenomenon among the beneficiary to the extent that, 76%
feel more autonomous and 92% affirming to be accepted in their surroundings after
receiving loan. Also, results from medical indicator disclosed that, the beneficiary (96%)
were able to take the responsibility of their wellbeing in terms of good medical treatment.
Latifee (2003) surveys 510 microfinance clients which include PLWHA conducted in
Nepal and the findings of his study reveals that access to micro financial services was
housing, consumption and clothing, health care and access to education for children
(especially the orphans by HIV/AIDS), lowering child mortality, and birth rate, higher
households. His study discloses that the clients of micro credit used the facility, both for
production (66%) and consumption (34%) purposes as well as concludes that about 56%
services. Magill (2002) on the other hand described a program in Bangladesh where rural
30
credit scheme was used to increase the status and level of PLWHA in order to increase
their mobility, economic security, freedom to make purchases on their own, freedom from
domination and violence within their family, and increase their awareness especially on
the rights of citizenship. The result of their findings revealed that 87% of the beneficiaries
In Nigeria, for example, Irefin and Afolagbade (2006) have discovered that, about 20,000
ladies are engaged in commercial sex activities in Brono state, with at least 75% citing
disclosed their HIV status, mostly stating that it is not their primary concern whether they
have it or not but the most important thing for them are school fees, child care, food and
shelters. However, the very high vulnerability of this people to HIV/AIDS is not
disputable and therefore the vicious circle continues. HIV/AIDS worsens poverty among
households already living below the poverty line in Sokoto state of Nigeria as the result
of a study indicates that in 2007, spending habit of affected households is 35% higher
than that of unaffected households (Abdulrahim, 2007). Similar a study carried out in two
states of Nigeria: Oyo and Plateau revealed that, HIV/AIDS imposes a greater burden on
health spending on affected households in both states. Indeed, according to the findings,
the households spending on treatment are greater (22%) and (11%) in Oyo and Plateau
state respectively, compared to 13.6% and 9.4% amongst unaffected households both
2.9. Brief on HIV/AIDS Situation in Sokoto StateAlthough there are not reliable
data on when first HIV/AIDS case had been discovered in Sokoto state and the current
statistics of people living with the disease in the state, it was reported that HIV/AIDS in
the state were first discovered in 1990 with only four cases. The blood samples of the
31
affected persons had been taken to the University of Maiduguri Teaching Hospital for
confirmation and they were found positive. Since the number of people living with
HIV/AIDS has been mysteriously increasing in the state (Akintunde, 2004). It is perhaps
against this background that in April 2004, the Society for Family Health (SFH) in
Sokoto state a Non Governmental Organization brought together a group of people living
2004).
efforts that brought about members’ easy access to drugs and ability to update their
knowledge on the disease through series of lectures they have received and still receiving
from the experts on HIV and AIDS (Abdulrahim, 2007). The information they are having
as members of the group enable them to develop confidence that they could have a
healthy live in spite of the disease. This goes to further prove that information is power as
consequences of joining NASIHA group had raised their hope to live a good life as for
instance; a recent survey sponsored by UNDP in Sokoto revealed that, 42% and 34% of
NASIHA members are eventually happy and very happy respectively. While, 20%
claimed to be happy for being a member of NASIHA group, only 2% expressed been
depressed and sad. In a nut shell, “the state of mind of most respondents had been from
sadness to joy, before and after joining the NASIHA group as a PLWHA” (Abdulrahim,
2007).
Presently, there are two Voluntary Confidential Counseling and HIV Testing (VCCT)
centers in the metropolis; while one is located within the Specialist Hospital; the other
one is situated inside the Usmanu Danfodiyo Teaching Hospital. Specialized personnel on
32
HIVAIDS counseling and medical experts were positioned in these two centers to attend
to people who may either come for counseling or HIV test. It has been observed that the
majority of those who are patronizing these centers were from the metropolis this might
be as a result of the awareness and easy access to the centers compare to people from
2.10. Historical Background of the Study AreaSokoto Stateis one of the 36 states in
the Federation of Nigeria. It was created in 1976 during General Murtala Muhammed’s
administration. The state is located within Northern Sudan Savannah zone, it is traversed
partly by latitude 120' 000 N and Longitude 040' 300 'E to the extreme Northwest corner
of the Federal Republic of Nigeria. It is bordered to the North by the Republic of Niger,
flanked by Kebbi State to the West and Zamfara State by East (Sokoto State Government,
2005). In 2006 it had a population of 3, 696, 999 people. The state has a land mass of 26,
827.43 square kilometers and a population density of 97.7 person per square kilometer.
The state currently has 23 Local Government Areas. Its headquarters is based in Sokoto
town, the capital of the erstwhile Sokoto Caliphate which was established in the early
19th century following the successful execution of the Sokoto Jihad of 1804 led by Shehu
Therefore, Sokoto metropolis remains not only the seat of the Caliphate but also the
centre of Islamic culture, history and tradition. The town occupies a unique place in the
history of Nigeria. It is from there that the legendary Islamic scholar, Uthman Dan Fodio
launched the Jihad in 1804, introducing Islam to most parts of Northern Nigeria. Sokoto
metropolis has a commendable interest abound: these sites include Sultan Palace, ancient
Sokoto market, Central Mosque and tombs of founders of the caliphate. Historical
materials such as collections of artifacts from the caliphate are available in the state's
33
History Bureau located within Sokoto North LGA. Agriculture and craft has been the
mainstay of the people in the state, the former is the largest employer of labour in the
state with 80 per cent of the population practicing it (Yaqub and Yandaki, 2000).
To date, Sokoto remains the seat of the caliphate and centre of Islamic learning. By virtue
of its origin and geographic locations Sokoto State comprises of Hausa, Fulani and
Zabarmawa. The settlement distribution during the Jihad period also favours the defense
factor in location. With colonialism in the 1900, and the emergence of Nigeria as a
political entity, many other ethnic groups from the South and Middle Belt have migrated
and taken permanent residence in the state. Although the Ibos and Yorubas top the list of
Southern migrants, the large numbers of almost all the 250 other ethnic groups in Nigeria
are comfortably pursuing their legitimate business or as employees of federal and private
organizations in the town. This multi-cultural heritage paved way for the large number of
registered cultural associations and ethnic group meetings that take place on weekends in
various locations of the metropolis. The large number of non-Hausa Fulani ethnic groups
is also an attestation to the peaceful environment the town has enjoyed for long.
The people of Sokoto engage in both rainy and dry season farming activities and using
the United Nations criteria on poverty, the majority of the people of Sokoto can be
regarded as poor. People of Sokoto are predominant Muslims and operate both the
Shari’ah and Conventional law. The prevalence of HIV/AIDS in Sokoto state can not be
compared with other states in the South, this might be as a result of their cultural
34
CHAPTER THREE
Here an attempt is made to explain the research approach and methods of achieving the
stated objectives. Specifically, the chapter explains the sources of data, sample size and
3.2. Sources of DataFor the purpose of this research work, two sources of data will be
used. They are primary and secondary sources. The former involves sourcing relevant
collection. The latter consists books, journal articles, academic papers etc from libraries,
3.3. Sample Size and Sampling TechniquesThe population size for this study consist
PLWHA in the metropolis. However, a total of 60 will be drawn from members within
Sokoto North and South Local Government Areas. Random sampling method will be
and administered through the Sokoto State Action Committee on AIDS (SOSACA).
35
The questionnaire consists of questions including both closed and opened ended ones. It
is divided into two sections. Section (A) deals with the personal data of the respondents.
The variables captured in the section include issues to do with respondent’s sex, age,
marital status, educational level and occupation. Section (B) contains research data which
cover variables such as income required for the treatment of the disease; respondent’s
income level, savings and expenditure aspects, awareness and access to microfinance
While, the questionnaire is to be administered through the help of two research assistants
who are adequately trained to assist the researcher. Where necessary, the questionnaire is
respondents.
will be used in analyzing the data when collected. The descriptive statistics to be used
include percentages and tables. Inferential statistics in the form of Analysis of Variance
(ANOVA) and multiple regression analysis will be employed. The latter technique is
expected to identify the relationship between the dependent and independent variables.
While the former aims at discussing the responsiveness of respondents to the HIV/AIDS
3.6. Model Specification The data collected would be analyzed using multiple
regression model. Thus, an econometrics model will be used to analyze the data when
Y = a + b1x1 + b2x2 +………. Xn Where Y is the dependent variable that is, Management
36
= Income Status (YS) as independent variables. These variables will be tested on the
dependent variable.
Also, a = intercept of the model or management of HIV/AIDS that does not depend on
access to micro credit and b1 – b3 = parameters of the model while, Xn on the other hand is
CHAPTER FOUR
4.1 Introduction
This chapter deals with presentation and interpretation of data collected during fieldwork.
The method used in data collection was earlier discussed in chapter three. A total of 60
questionnaires were returned. The result of the data obtained could not be in any way
meaningful without a full and complete analysis of the obtained information, hence the
following analysis were divided into two sections; the first section discusses the socio-
economic characteristics of the respondents, while section two discusses the research
data.
37
4.2.1. Sex of the Respondents
The females infected almost double the male counterparts by ratio of 57:43. In other
words, the female respondents are 57%, while males are 43%. By implication, the
females are more infected with HIV/AIDS by 14% more than the males. This results is
not new has the previous research on PLWHA in the metropolis (Abdulrahim, 2007)
The modal age group of both sexes is within 31-40 years followed by 21-30 years, 40.5%
and 32.4% respectively. The next most infected groups are those below 20 years and
those within 41-50 years with 13.5% each. The least group infected are 51-60 years and
those above 60 years (2.7%) each. The Fig. 4.1 shows the age group by sex distribution.
The modal age group amongst the male and female are both 31-40 years followed by 21-
30 years. In this context the modal and the preceding groups are the same with when both
38
Source: Author’s Fieldwork (January, 2008)
The entire respondents are either practicing Islamic religion or Christianity. Those mostly
responded practicing Islam (54%) and Christianity (46%). The high figure of Muslims
might not be unconnected to the fact that the 80% of the population size (sample frame)
of those people of Sokoto metropolis from which the samples were taken from are
predominantly Muslims.
The distribution of the respondents is explicit in the Fig. 4.2 below. The holders of Senior
School Certificate are most affected (37.8%) followed by those who attained J.S.S level
of education (13.3%). The analysis of the pattern shows that those with first degree or its
equivalent and above are 11% while those with Quranic to OND/NCE are 89%. Further
examination reveals that within the latter group, those with the intermediate certificate
(OND/NCE) are less affected (16%) compared to those with School Certificate and
below (73%). Summarily, those with high level of education are less infected than those
with low level of education. On a general note, the lower the level of education the more
39
the carelessness and promiscuity of individuals which thus, led to been infected with
HIV/AIDS.
40
4.2.5. Marital Status of the Respondents
Married respondents are the highest with 40.5% followed by those who are single 27%.
Those separated and divorces are 10.8% and 13.5% while the least infected are the
widows who are 8.1%. The possible reason why the married respondents are the highest
in number would not be unconnected to insincerity with their sex partners. On the part of
promiscuous life they lived due to youthful exuberance. The low number of divorced,
fear of societal reactions to their behavior having married earlier but currently unmarried.
Respondents
Respondents
Twenty respondents respond to this question. Eleven (55%) out them have between one
and two children. Four (20%) have three children, three (15%) with four numbers and
two (10%) with five children. None claimed to have more than five children (table 4.1).
Fig.
4.4
42
below, 35% of the respondents are unemployed, students (18.2%) while orphans and
others are 16.2% and 2.7% respectively. On a general note, 73% of the respondents are
not working thus; only 27% of the entire respondents are working. Those working are
distributed between self-employment (16%) and civil servant (11%). Those who are not
working have range of excuses from being stigmatized (33%), physically weak and
sacked with 21% each to those who claimed to be retired and the full house wife. The
number of those not working is quite a significant loss to the economy of the nation when
Investigation about the amount the respondents spend on medication on monthly basis
revealed that almost all twenty eight respondents who respond to the question couldn’t
avoid buying their drug requirement in months. They however, in cure high expenses out
Thus, 42.9% of them (28 respondents) expend between #5000 and #15, 000 per month,
28.6% spend less than #5000, 17.9% spend between #25000 and #35000 while the rest
43
10.7% claimed to spend between #15000 and #25000 on purchase of drugs. These in
and 18% (less than #5000) spend by the respondents on other purposes. Meanwhile, none
Legend
Purposes
44
From the table below (Table 4.3), the responsibilities of the respondent were mostly
carried out by family and relative (27%) followed by those who relied on Husband/wife
and NGOs (18.9%) each while others is 21.6% (Fig. 4.6) with 5.4% out of it are parent,
13.5% are taking their responsibilities themselves and only 2.7% out of these confirm
On general note, the financial responsibilities of PLWHA were solely on family and
relative (54.4%) when combined with those who choose parent, husband/wife and
children. It is very unfortunate that none of the respondent’s financial need is taken by
MFIs.
45
NGOs
Husband/
Others
Wife
Fig.
4.6:
43% of the twenty eight respondents who respond to this question does not have saving at
all while 32% spend in advance. 25% of the respondent has average of #2500 savings per
month. This might as a result of their level of spending on medications and other
purposes as it has been established that none of them (respondents) can do without
buying drugs along with other needs. A further examination also revealed that it is those
who earned higher income per month as a result of their level of education were able to
46
save. On general note, the propensity to save is very low because of the generally low
income. To be able to save is to break the vicious circle of poverty. However, where 75%
of the respondents could not save requires attention by the government in view of the
The awareness of micro credit institutions in the metropolis were presented in a doughnut
graphic representation below (Fig. 4.7). 89% of the respondent recognizes NARCDB as
micro credit institutions in the metropolis; this might not be unconnected with the
activities of the bank in given small loan to small farmers and as we have noted earlier,
farming is the major activity of the people of Sokoto. Nagarta Microfinance Bank which
is community bank came second highest (70.3%) while the least is Federal Mortgage
47
Bank (51.4%), this might be as a result of the low performance of the bank which is
43.2% of the respondents have applied for the loan while 56.8% respondents have not
applied in any micro finance institution in the metropolis. The result further revealed that
37.5% out of those who apply for the loan are for business purpose followed by those for
consumption and buying drugs (25%) each and lastly, 2.5% of the respondent apply for
the loan for building a house. This result shows that majority of the respondent want the
S
our
ce:
Despite the little amount of the respondent (16 out of 37 respondents) that applies for the
loan, only seven (43.8%) were given while nine (56.2%) were denied the loan. The
reasons for the denial were ranging from lack of requirement (50%), stigmatization
(28%) while illness ground and others are 11% each (Fig. 4.9).
Sources: Author’s
MFIs
Out of seven respondents who were given the loan, five (71.4%) respondent used the loan
for the purpose it were given, only two (28.6%) did not used the loan. The reason given is
that, the loan was used for other purpose not mention by them. When ask to grade the
49
amount given by MFIs, five (71.4%) out of seven respondents confirm that the loan is
Five (71.4%) respondents out of seven agree that the loan has eased their difficulties
while the remaining two (28.6%) disagree that the loan has not have any impact on their
life. This might not be unconnected with the previous result (4.3.6) where the same ratio
(71.4:28.6) used the loan for the purpose that was given and those that did not use it for
When further ask to explain in what ways; all the respondents who collected the loan
agreed that they have access to drugs after collecting the loan, while 86% of them also
have access to self employ and overcome poverty respectively, those who choose
overcome stigma are 57% (Fig. 4.10), this shows that despite their empowerment
50
Source: Author’s Fieldwork (January, 2008)
4.3.8 Health and Physical Condition of the Respondents after Receiving Loan
Seven respondents who collected the loan were interview with respect to their health
condition after collecting loan from MFIs. The result is that 63% of them disclosed to
now have healthy condition and 37% very strong and healthy. None of them is however,
said to be either weak or very weak (Fig. 4.11). This is evidence that the empowering
Others
0
Healthy
63
Very Weak
0
Weak
0
0 10 20 30 40 50 60 70
Percentages
51
Source: Author’s Fieldwork (January 2008)
Fig. 4.11: Health and Physical Condition of the Respondents after Receiving Loan
The ranges of attitudes towards the respondents by the society, especially their immediate
families after collecting loan from MFIs are hereby presented on five-point likert scale
From the above table (Table 4.4) out of seven respondents that respond to this question.
42.8% virtually concluded that they are fairly accepted by the society. Amongst the
people, 28.6% claimed to be undecided and 14.3% said they are fairly rejected and
rejected respectively. The area of interest is the level of acceptability that is recognizes to
have been established by 42.8% of the respondents. This information gets to prove that
the society is becoming compliant with the campaign on HIV/AIDS as regards the need
52
From Fig. 4.12 below, 92% of the respondents choose free treatment as way of managing
the disease, this followed by access to micro credit (83.8%) faithfulness (73%), sex
education (67.6%) and the least is the use of condom (48.7%). The reasons for these
might be not unconnected with religion belief of the respondent who sees condom as a
way of promoting promiscuity in the society. Also, this report revealed that there is the
need for the government at all level to assist PLWHA in given them free treatment and as
well as provision of micro credit for them by formal MFIs to ease their difficulties.
Fig. 4.12:
Ways to
Manage the
Percentages Disease
CHAPTER FIVE
5.1 Summary
• The member of age group of both sexes most infected is 31-40 years followed by
21-30 years.
53
• The lower the level of educational attainment the higher the level of carelessness,
• Married respondents are more infected, followed by single and least are the
widow.
and below National minimum wages and even International Poverty Line.
• All the respondents are using substantial part of their income on drugs and other
purpose.
• 62.5% claimed to be physically strong and healthy after receiving loan serve as
evidence that the empowerment provides by MFIs have impact on their lives.
• About 54% of their monthly financial burden (drugs + food + finance) is bored by
the area of finance and materials. While, none claimed to be sponsored by MFIs.
Hence, there is the need to enlarge the scope of their (government and MFIs)
support.
• Most of the respondents loose their jobs due to stigma which in return contribute
to the reduction in family income. Hence, poverty sets into the families.
• The respondent also often advice that married couples are to be faithful to each
other, the unmarried should abstain from pre-marital sex and where unable to be
• The respondents seek the need for the governments and researchers to find the
54
• They also suggested that society should be well informed that the disease (HIV) is
real.
• The respondents demanded for micro credit scheme in order to get them
economically empowered.
• The respondents expressed the need to sustain the supply of free test and drugs.
• Employers always sacked the people infected with HIV/AIDS. The consequence
of this action by employers of labor always exacerbate high rate of poverty in the
society. Therefore, the employers need be enlightened not to throw them out of
5.2 Recommendations
• The MFI should identify itself clearly on its publications and literature as ‘an
HIV-sensitive.
• The MFIs should have a non-discriminatory policy for board and staff
• The MFIs should highlight products and services that are likely to be of
these package
About control, the respondents suggested various ways. They range from proper access to
micro credit, use of condoms, being faithful to one’s sexual partners, youths to listen and
55
act on HIV and AIDS campaign and to further have moral restraints, religious bodies to
intensify preaches, health education to the society and free medical treatments. The
highest number of the respondents 92% and 84% believed that free treatment and proper
access to micro credit is the best way to manage the disease efficiently and effectively.
5.3 Conclusion
HIV and AIDS is indeed a problem issue, therefore, the society should be free to talk
like other disease. This will significantly eliminate the social stigma. Consequently, MFIs
should include a risk management perspective to their mission and goals, to complement
the micro enterprises development perspective. They should present a public image as an
AIDS-sensitive institution and they should reinforce this image with non-discriminatory
policies with respect to board and staff recruitment and client selection, through the
promotion of public HIV/AIDS awareness, and through offering products and services in
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APPENDIX I
DEPARTMENT OF ECONOMICS
FACULTY OF SOCIAL SCIENCESUSMANU DANFODIYO UNIVERSITY, SOKOTO
(POST GRADUATE SCHOOL)
Questionnaire for People Living with HIV/AIDS in Sokoto Metropolis
65
of the following microfinance institutions in the metropolis? a) Nigerian
Agricultural Rural and Community Development Bank [ ] b) Federal
Mortgage Bank [ ] c) Nagarta
Community Bank [ ]
d) Others (specify)………………………………………………….
7 If yes, have you ever applied for their credit facilities? a) Yes [ ]
b) No [ ]8 If Yes, for what purpose? a) Business
[ ] b) Building House [ ] c) Consumption purpose [ ]
d) Buying of Drugs [ ]
e) Others (specify) [ ]9 Have you given the loan applied for? a)
Yes [ ] b) No [ ]
10 If the answer to the question above is No, state why? a) I have been
Stigmatized [ ] b) Illness Ground [ ] c) I could not meet their
requirement [ ] d) Other [specify]…………………………………………………
11 If the answer to question 9 is yes, has the loan secured used for the purpose
given? a) Yes [ ] b) No [ ]12 If b above, explain why? …
……………………………………………………… ……………………………
………………………………………………………………
13 Grade the amount of credit secured from MFIs a) Grossly inadequate [ ]
b) Inadequate [] c) Adequate []
14 Has credit from MFIs eased your HIV/AIDS difficulties? a) Yes [ ]
b) No [ ]15 If yes, how? a) Access to self employment
[ ] b) Access to drugs [ ] c) Overcome the
stigma [ ] d) Overcome the poverty problem [ ] e) Others
(specify)…………………………………………………………16 How do you feel
physically after securing credit from MFIs? a) Very weak [ ] b) Weak
[ ] c) Healthy [ ] d) Very strong and healthy [ ] e)
Others (specify)…………………………………………………..
17 What has been the society’s attitude towards you after getting the credit from
MFIs?a) Rejected [ ] b) Fairly rejected [ ]c) Undecided [ ]
d) fairly accepted [ ] e) highly accepted [ ]
66
18 In what ways do you think this disease can be managed ?a) Access to
micro credit facilities Yes [ ] No [ ]b) Use of condom
Yes [ ] No [ ] c) Being faithful to one’s
sexual partner Yes [ ] No [ ]d) Sex education to school children
Yes [ ] No [ ]e) Free treatment to those infected
Yes [ ] No [ ]f) Others (specify)…………………………………………
……………
Appendix II
Correlations
[Data Set 0]
Correlations
VAR00001 VAR00002
VAR00001 Pearson Correlation 1 .970**
Sig. (1-tailed) .000
Sum of Squares and Cross-products 1.01E+009 898104286
Covariance 37257672 33263122
N 28 28
VAR00002 Pearson Correlation .970* 1
Sig. (1-tailed) *
Sum of Squares and Cross-products .000 852598571
Covariance 898104286 31577725
N 33263122 28
28
**.Correlation is significant at the 0.01 level (1-tailed).
DATASET ACTIVATE Data Set 0.
CORRELATIONS
/VARIABLES=VAR00001 VAR00002
/PRINT=ONETAIL NOSIG
/STATISTICS DESCRIPTIVES XPROD
/MISSING=PAIRWISE.
68