ASSESSING THE IMPACT OF MICROFINANCE HEALTH INSURANCE PROGRAM AMONG WOMEN ON THEIR FAMILY WELFARE AT MALIMBA VILLAGE, T/A KALONGA IN SALIMA DISTRICT.

Access to quality healthcare remains a significant challenge for low-income households in Malawi, particularly in rural areas. To mitigate these challenges, microfinance institutions (MFIs) have introduced health insurance schemes aimed at supporting their clients. This study specifically focuses on women, assessing the effectiveness of microfinance-linked health insurance programs in improving family welfare in Salima District.

The research employs a cross-sectional comparative design, targeting a total of 55 women aged 18–65 years residing in Chisani Village, Salima District. The sample includes 30 women enrolled in microfinance-linked health insurance programs and 25 women who are either involved in microfinance programs without health insurance or are not enrolled in any program. By comparing insured and uninsured groups, the study aims to evaluate the impact of health insurance on household welfare indicators such as health outcomes, income, education, and overall household well-being.

Data collection involved a mixed-methods approach, combining quantitative and qualitative techniques. Structured questionnaires were used to gather numerical and demographic information, while interviews and focus group discussions provided in-depth qualitative insights into participants’ experiences and perceptions. Quantitative data were analyzed to identify measurable impacts of insurance enrollment, and qualitative data analysis offered contextual understanding of how health insurance influences household welfare. Ethical considerations were rigorously observed, including confidentiality and informed consent from all participants.

Findings from this research are expected to provide actionable insights for policymakers, non-governmental organizations (NGOs), and MFIs on integrating health financing into microfinance services to enhance household welfare and reduce vulnerability to health-related financial shocks. Furthermore, by emphasizing women’s participation, the study highlights their critical role in household financial and health decision-making. The research aims not only to inform evidence-based program design and scaling but also to empower women economically and socially, contributing to broader development goals in rural Malawi.

In summary, this study bridges the fields of health economics, microfinance, and gender studies by examining how microfinance-linked health insurance programs can support women in rural communities, improve household welfare, and strengthen resilience to health and economic shocks.