COMPLEMENTARY APPROACHES 165
transfer programs can facilitate access to other critical services provided at cash pay points. Thus far this approach is more theoretical than proven, but it would be convenient and efficient for beneficiaries and providers, reducing costs due to economies of scale and using referrals or personalized visits to connect cash transfer beneficiaries to services. There are many complementary services and activities that would be
appropriate to link to cash transfer programs serving families affected by HIV and AIDS. Facilitating access to documents such as birth registration and marriage certificates can, in turn, increase access to services. Information and awareness campaigns can provide important information on HIV preven- tion and mitigation. Information alone, however, may not be enough to effect behavioral change. Instead, other products and services may be necessary, such as free condoms, VCT, or ARVs. Psychosocial support services already provided by some cash transfer programs or linked to them can be particu- larly beneficial to AIDS-affected families facing stigma and the loss of loved ones and breadwinners. Social welfare services and child protection are par- ticularly important because children may need special attention in the con- text of changing household structures, new vulnerabilities created by illness and death of parents and other relatives, and increased levels of poverty in their households and communities. Although households affected by HIV and AIDS are likely to experience more difficulty repaying loans due to the combination of increased household expenses and loss of income providers in the household, microcredit can be tailored to meet the needs of these households through the provision of flex- ible loan terms that allow clients to “rest” between loans as well as partici- patory adult learning on topics such as sexual behaviors, gender-based vio- lence, and HIV prevention. These should be approached carefully, however, for if misguided they could do more harm to families than good. Public works programs can be designed to meet the needs of HIV-affected households by offering lighter workloads, flexible hours, and household con- tracts, which allow an additional person from a household to participate in the program. Public works can also involve the direct provision of social ser- vices for those affected by HIV and AIDS (HBC, ARV roll-out, ECD, and VCT) and the creation of private assets for households affected by HIV/AIDS, such as simple kitchen gardens and school gardens. Still, it is important to note that although microfinance and public works programs have the potential to help poor AIDS-affected families secure livelihoods, it is likely that the most destitute will not be well positioned to benefit, and a cash transfer program should be available as a safety net.
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