Physically disabled women's creditworthiness in Village Development Fund: evidence from Thailand

Theeraphong Bualar

Development in Practice, 2011, vol. 21, issue 6, 848-859

Abstract: The Village Development Fund (VDF) is used in Thailand to empower the rural poor, especially women living with disabilities. This article investigates the problems of gaining access to credit faced by physically disabled women in rural Thailand. In-depth interviews with 20 women with physical disabilities in north-eastern Thailand indicate that these women still do not benefit from small loans from the VDF because they face significant attitude barriers from the VDF chairpersons and from their own families. The author argues that non-disabled communities and their own families believe that disabilities make these women less creditworthy.Capacité d'emprunt des femmes physiquement handicapées dans le cadre d'un Fonds de développement villageois : données de ThaïlandeLe Fonds de développement villageois (FDV) est utilisé en Thaïlande pour autonomiser les pauvres en milieu rural, en particulier les femmes handicapées. Cet article traite des problèmes rencontrés au moment d'obtenir l'accès au crédit par les femmes physiquement handicapées en milieu rural en Thaïlande. Des entretiens approfondis menés avec 20 femmes physiquement handicapées dans le nord-est de la Thaïlande indiquent que ces femmes ne profitent pas encore de petits prêts du FDV parce qu'elles se heurtent à d'importantes barrières attitudinales de la part des président(e)s du FDV et de leur propre famille. L'auteur soutient que les communautés non handicapées et leurs propres familles respectives estiment que ces femmes sont moins solvables du fait de leurs handicaps.Capacidade financeira das mulheres deficientes físicas de obter crédito no Village Development Fund: evidências da TailândiaO Village Development Fund (VDF) é utilizado na Tailândia para empoderar as pessoas pobres da zona rural, especialmente mulheres portadoras de deficiência. Este artigo investiga os problemas para se obter acesso a crédito enfrentados pelas mulheres deficientes físicas na zona rural da Tailândia. Entrevistas minuciosas com 20 mulheres com deficiência física no nordeste da Tailândia indicam que estas mulheres ainda não se beneficiam com os pequenos empréstimos do VDF porque elas enfrentam grandes barreiras de atitude dos coordenadores do VDF e de seus próprias famílias. O autor argumenta que comunidades não-deficientes e suas próprias famílias acreditam que a deficiência torna estas mulheres menos capazes de pagar seus empréstimos.La solvencia crediticia de mujeres discapacitadas del Fondo de Desarrollo Comunitario (Village Development Fund): el ejemplo de TailandiaEl Fondo de Desarrollo Comunitario (FDC) promueve en Tailandia el empoderamiento de campesinos pobres, en especial de mujeres discapacitadas. Este ensayo examina los problemas que tienen las mujeres discapacitadas para obtener créditos en el área rural de Tailandia. Entrevistas a fondo a 20 mujeres con discapacidades físicas en el noreste de Tailandia mostraron que las mujeres siguen sin beneficiarse de los pequeños préstamos del FDC por las actitudes negativas de los directivos del FDC e incluso de sus propias familias. El autor sostiene que las personas sin discapacidades y los propios familiares de las mujeres con alguna discapacidad creen que por esta situación tienen menos solvencia crediticia.

Date: 2011
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DOI: 10.1080/09614524.2011.582084

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