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 …