Inclusive Microfinance: ensuring the access to mainstream microfinance services for Persons with disabilities.
Post on 27-Dec-2015
Inclusive Microfinance:ensuring the access to mainstream microfinance services for Persons with disabilities
The barriers to access MF servicesWe havent thought about it.There is probably not so many disabled persons running viable businesses.We dont have any knowledge on how to serve this segment.We need special products to serve this segment.We are to busy to think about this
From Microfinance institutionsFrom Persons with disabilitiesMFI are money huntersBorrowing money is too riskyBecause of our situation, we should receive grantsWhat is microfinance?They would always refuse to consider us as clientsI cant even access their nearest branch
The barriers to access MF servicesLack of self-esteemLack of saving cultureAdverse to riskHabit of being rejectedExpectation of charityLack of information on the existence of the MF servicesLack if understanding of MF mechanismsDiscriminationSelf-exclusion
Reluctance from staff to serve Persons with disabilities (deliberately or unconsciously)Physical barriers to access the MF servicesExclusion by group of borrowersNo communication aiming at Persons with disabilities
Including disabled clients in communication materialsWhat MFI can do !
What MFI can do !Making MF branch accessible
Recruiting Persons with disabilitiesWhat MFI can do !
What MFI can do !Make public success storiesof disabled clients
Training for MFI staffCommunication from MFI director to all MFI staff (newsletter or special letter)Special conditions to groups which include disabled membersBonus for Loan officer reaching out PwdIdentify existing disabled clients and get them to recommend new clientsWhat MFI can do !
Partnering with actors of the disability sector:Should we do all of this alone?IDDC members: CBM, NAD, Leonard Cheshire International, Handicap international, etc.Disabled people organisation: federation or local organisation (depends on capacities)
Should we do all of this alone?Actors of the disability sector are able toConduct staff trainingContribute to MFI outreach programmePrepare future clients (graduating scheme)Help make MFI branches accessibleContribute to recruitment of Persons with disabilitiesHelp designing communication materialGather documentation and toolsBe partner to access new sources of funds from donors
Christoffel BlindenmissionNorwegian Association of Disabled