Barriers to microcredit for disabled persons: Evidence from economically active persons in Uganda

Leif Atle Beisland and Roy Mersland
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Roy Mersland: UIA - University of Agder

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Abstract: Prior research has identified five barriers hindering disabled persons' access to microfinance services: exclusion by staff, exclusion by non-disabled members of credit groups, selfexclusion, exclusion by credit design, and exclusion by the disability itself. This study applies survey data to examine which barriers disabled persons themselves consider to be the most important. The survey covers disabled persons with some kind of existing economic activity and is thus not representative for all disabled persons in Uganda. The data show that exclusion by credit design is the most relevant obstacle. The study suggests that microfinance institutions (MFIs) should revise their credit products and make them more disability friendly to reach out to more disabled customers. These disability-friendly products may also help the MFI to reach other poor and discriminated groups.

Keywords: Microfinance; Disability; Uganda; Microcredit; Barriers; Hindering mechanisms; Microfinance Disability Uganda Microcredit Barriers Hindering mechanisms (search for similar items in EconPapers)
Date: 2012
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Published in Enterprise Development and Microfinance, 2012, 23 (1), pp.11-24. ⟨10.3362/1755-1986.2012.003⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05220850

DOI: 10.3362/1755-1986.2012.003

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