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Salient aspects of the H4H programme


  • Treatment for HIV+ borrowers through existing medical service providers;

  • The programme built on existing services and capacities in South Africa. Through management and service level agreements with professional providers of VCT, treatment and health management services, the programme provided for VCT and appropriate treatment.

  • Protocols provided were compatible with those offered by the Government, to ensure maximum benefit.

  • It encouraged borrowers to know their HIV status, through provision of Voluntary Counselling and Testing

  • The home testing programme enabled borrowers to be tested in the privacy of their own homes, which in and of itself encourages testing.

  • Through this programme, people who might not have otherwise be able to do so, had access to VCT, professional counselling, Aids education, and treatment programmes. They were able to retain their homes. The social and developmental impact of these aspects was significant. It had a positive effect on the health and longevity of affected people, a direct effect on the number of orphans who were un-housed and on the ability to house the lower income population of the country, irrespective of their HIV status.

  • Where a loan default was attributable to HIV or Aids related illness, the HLGC facilitated the payment of the loan instalments and concomitant costs, to ensure that borrowers remained in their homes.

  • The programme created a partnership between public, philanthropic, private, non-profit and development agency sectors, maximising the effectiveness of resources and contributions from all.

Programme Design and Method – the building plan
The Housing for HIV Programme is innovative from three perspectives - the programme itself, the way in which funding is utilised and the home testing programme.
The design of the programme was driven by a need to:

• sustain the growth of home-ownership in the lower-income sector in South Africa;
• ensure that people affected by HIV can access housing and retain their homes;
• ensure that home owners affected by HIV have full funded access to appropriate treatment;
• create an incentive measure to ensure VCT and treatment maintenance;
• encourage VCT as early as possible.