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People with HIV/AIDS are often rejected by commercial banks for microloans. This probably has to do with their shorter livespan and therefore being a risk for the bank to provide credit. But especially these people can use access to credit to start up a business. Anouk Strijd is doing research for her Bachlers degree on the barriers for people with HIV/AIDS to credit. She also looks into the opportunities and possibilities for the partner organisations of Cycling out of Poverty on how to tackle these barriers, so this target group can nevertheless access bicycle-on-credit project. Anouk is executing this research in Kisumu Kenia from January to March. The video gives an introduction of this research by Anouk.