This report analyzes 39 IMF loan programs approved between March 2020, the official start of the Covid-19 pandemic, and March 2023 under three lending facilities that include conditionalities—the Extended Credit Facility (ECF), Extended Fund Facility (EFF), and Stand-By Arrangement (SBA)—to understand how the IMF is approaching the current crisis in practice and to assess the extent to which it aligns with international human rights standards. The total population in the countries affected by these programs is more than one billion people. The report also includes an in-depth case study of Jordan, where the government has been implementing a series of IMF programs since 2012, based on over 70 interviews and a review of relevant documents and data.

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