acap project awareness raising to project partners in self savings and credit on inclusion of people...
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ACAP PROJECTACAP PROJECTAwareness Raising to Project Awareness Raising to Project
Partners in Self Savings and Credit Partners in Self Savings and Credit on Inclusion of People with on Inclusion of People with
DisabilitiesDisabilities
A project funded by the EU
Training developed and delivered by
Consortium Partners;
BRAINSTORM
What is Savings?What is Savings?
What are the methods for What are the methods for savings?savings?
What is Savings?What is Savings?
What are the methods for What are the methods for savings?savings?
• Saving; a habit which promotes self-reliance and decreases dependency.
• Regular saving even very small amounts gives a person struggling to survive the practical opportunity to learn to manage money. It creates financial capital, increases feelings of individual self-worth and group solidarity and establishes credit worthiness for access to financial services.
Nobody should be considered too poor to save, and having
a disability should also not be used as a reason for notsaving, and persons with disabilities should not use
theirdisability as an excuse for not saving.CBR Guidelines WHO Livelihoods
Saving Mechanism
• Self saving• Save in rural banks/ post office• Save within a group• Save in Self Help Groups• Revolving funds• New/Old Cash Collection (local
method)
• Self saving• Save in rural banks/ post office• Save within a group• Save in Self Help Groups• Revolving funds• New/Old Cash Collection (local
method)
BRAINSTORM
What is credit?What are the methods for getting
Credit?
What is credit?What are the methods for getting
Credit?
CreditCredit; loans which are commonly paidback with interest at the end of an agreedterm and can be provided through
differentmeans: • Self Help Groups• Credit and Saving Cooperatives • Micro finance & commercial banks
Credit Mechanisms
• Loans and grants from family, Neighbor and friends
• From Self Help Groups• Micro Finance Institutes• Banks• DPOs• Government Schemes• NGOs/INGOs• Private Company
• Loans and grants from family, Neighbor and friends
• From Self Help Groups• Micro Finance Institutes• Banks• DPOs• Government Schemes• NGOs/INGOs• Private Company
BarriersBarriers
Wall of Barriers Group Wall of Barriers Group ActivityActivity
Institutional AttitudesEnvironment
What barriers do you think people with disabilities face in accessing
credit?
ROLE PLAYROLE PLAYBeing an Micro Finance
Institutions client Spot the Barriers!
Do persons with disabilities access
microfinance? What barriers ?
PwD do not approach Exclusion by other members
Exclusion by the MFI staff
Exclusion by MFI methodology
On one hand, People with Disabilities may not approach
MF…
Different reasons:• Lack of information on MF products and
requirements• Repeated experiences of exclusion from an early age
• Lack of self-esteem and motivation +• Some People with Disabilities may expect charity
and special conditions • Some People with Disabilities being overprotected by
members of the family
On other hand, MF may not approach PwD nor be accessible…
Different reasons:• Lack of knowledge on the rights of PwD -> may
perceive them as “object of charity” instead of potential entrepreneurs on equal basis with others
• Lack of understanding of the skills and potential of PwD, may not have seen any success cases
• Lack of physical accessibility from their offices and meetings places in the field
• Lack of accessible communications to reach persons with visual and hearing impairments
• Belief that PwD represent a higher risk of non-repayment /failure of the entrepreneurial activity
RightsRights
Rights to EmploymentRights to Employment National Policy on Disability National Policy on Disability
in Sri Lanka 2003in Sri Lanka 2003
People who have disability, both men and women, will have their right to work fulfilled.
(1)They will have a free choice of employment in both the public and private sectors.
• (2) The Employers Federation of Ceylon will convene and sustain a forum to promote the policy and strategies related to creating and maintaining work opportunities for people who have disability in the private sector.
• (3) Programs and Projects which facilitate and support self-employment including entrepreneurship training, micro-credit and extension and marketing programs, will include a reasonable proportion of people who have disability.
United Nations Convention of Rights of Persons with
Disabilities.
United Nations Convention of Rights of Persons with
Disabilities.
States it is the right of people with disabilities to
Be able to borrow money the same as anyone else.
Be able to borrow money the same as anyone else.
Control their own money.Control their own money.
Creating AccessCreating Access
Inclusive approach via partnerships
DPOInformation,
Peer support,
Self confidence
MFIFinancial services
This approach promotes:
•Inclusion in mainstream services
• Focus of each org on core expertise
• Sustainability
Referral system
How to respond?
Working for the inclusion ofPWD’s in mainstreammicrofinance, by:
Raising awareness on the rights and skills of PwD’s
Training MF on simple adaptations to methodologies
Establishing a partnership to coach the MF
= sustainability, cost-efficiency, effectiveness
Examples of adaptations to MFMethodology:
– To adapt the processes and the methods (for example; meeting groups in an accessible places, providing outreach services)
Architecture : – Accessibility of the office:
• Don’t locate MFI on ”3rd floor with narrow stairs” with high counters
• Do use ramps, use ground floor facilities, low counters use visual and picture signs
Information:– Accessible for persons with visual/hearing impairments– Reading and expression skills (illiterate or speech
impairments)– Generally the “poor” are under or badly informed / including
PwD– Provide sessions to increase knowledge and understanding of
microfinance – advantage and disadvantage
Loans of higher amounts can beaccessed on a longer term basis to improve business continuously and
access other services …
People with Disabilities have the right
to access them and can do so successfully with the right
coaching!
• Make information accessible (brail/picture sign etc)
• Adapt services • Create accessible environment• Remember to include women and other
vulnerable groups as well. • Get PWDs ideas and inputs• Increase awareness on disability for
livelihoods and credit stakeholders
• Make information accessible (brail/picture sign etc)
• Adapt services • Create accessible environment• Remember to include women and other
vulnerable groups as well. • Get PWDs ideas and inputs• Increase awareness on disability for
livelihoods and credit stakeholders
Support people with all types of disabilities
Support people with all types of disabilities
?