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Exploring Microfinance Clients with Disabilities: A Case Study of an Ecuadorian Microbank

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  • Beisland, Leif Atle
  • Mersland, Roy

Abstract

Using a unique sample from an Ecuadorian microfinance institution that has focused on increasing its outreach to disabled clients, we present a comparative analysis of the characteristics of disabled versus non-disabled clients. The study shows that disabled clients are more often male, are less likely to be living with a partner, have fewer children, and are older compared to their non-disabled counterparts. Moreover, we observe differences in repayment statistics between clients with and without disabilities, as well as differences within the disability sample. Our findings illustrate the importance of adapting microloans to the special needs of persons with disabilities.

Suggested Citation

  • Beisland, Leif Atle & Mersland, Roy, 2017. "Exploring Microfinance Clients with Disabilities: A Case Study of an Ecuadorian Microbank," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 53(11), pages 1929-1943.
    • Handle: RePEc:zbw:espost:324016
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    References listed on IDEAS

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    1. Leif Atle Beisland & Roy Mersland, 2012. "The use of microfinance services among economically active disabled people: Evidence from Uganda," Journal of International Development, John Wiley & Sons, Ltd., vol. 24, pages 69-83, January.
    2. Jean‐Francois Trani & Mitchell Loeb, 2012. "Poverty and disability: A vicious circle? Evidence from Afghanistan and Zambia," Journal of International Development, John Wiley & Sons, Ltd., vol. 24, pages 19-52, January.
    3. Bert D'espallier & Isabelle Guerin & Roy Mersland, 2013. "Focus on Women in Microfinance Institutions," Journal of Development Studies, Taylor & Francis Journals, vol. 49(5), pages 589-608, May.
    4. Mitra, Sophie & Posarac, Aleksandra & Vick, Brandon, 2013. "Disability and Poverty in Developing Countries: A Multidimensional Study," World Development, Elsevier, vol. 41(C), pages 1-18.
    5. Beisland, Leif Atle & Mersland, Roy, 2014. "Staff characteristics and the exclusion of persons with disabilities: evidence from the microfinance industry in Uganda," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 29(7), pages 1061-1075.
    6. Yeo, Rebecca & Moore, Karen, 2003. "Including Disabled People in Poverty Reduction Work: "Nothing About Us, Without Us"," World Development, Elsevier, vol. 31(3), pages 571-590, March.
    7. Christopher Scott, 2000. "Mixed fortunes: A study of poverty mobility among small farm households in Chile, 1968-86," Journal of Development Studies, Taylor & Francis Journals, vol. 36(6), pages 155-180.
    8. Agier, Isabelle & Szafarz, Ariane, 2013. "Microfinance and Gender: Is There a Glass Ceiling on Loan Size?," World Development, Elsevier, vol. 42(C), pages 165-181.
    9. Beisland, Leif Atle & Mersland, Roy, 2012. "Barriers to microcredit for disabled persons: Evidence from economically active persons in Uganda," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 23(1), pages 11-24.
    10. Amin, Sajeda & Rai, Ashok S. & Topa, Giorgio, 2003. "Does microcredit reach the poor and vulnerable? Evidence from northern Bangladesh," Journal of Development Economics, Elsevier, vol. 70(1), pages 59-82, February.
    11. Isabelle Gu�rin & Bert D'Espallier & Govindan Venkatasubramanian, 2013. "Debt in Rural South India: Fragmentation, Social Regulation and Discrimination," Journal of Development Studies, Taylor & Francis Journals, vol. 49(9), pages 1155-1171, September.
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    Cited by:

    1. Alon, Ilan & Mersland, Roy & Musteen, Martina & Randøy, Trond, 2020. "The research frontier on internationalization of social enterprises," Journal of World Business, Elsevier, vol. 55(5).
    2. Kwame Ohene Djan & Samuel Anokye Nyarko & Roy Mersland & Leif Atle Beisland & Linda Nakato, 2023. "Influence of international ownership on the performance of local social enterprises: Evidence from the global microfinance industry," ULB Institutional Repository 2013/371350, ULB -- Universite Libre de Bruxelles.
    3. Juan Lara-Rubio & Francisco J. Galvez-Sánchez & Valentín Molina-Moreno & Andrés Navarro-Galera, 2025. "Analysing credit risk in persons with disabilities as an instrument of financial inclusion," Journal of Social and Economic Development, Springer;Institute for Social and Economic Change, vol. 27(2), pages 581-603, August.
    4. Marek Hudon & Marc Labie & Patrick Reichert, 2020. "What is a Fair Level of Profit for Social Enterprise? Insights from Microfinance," Journal of Business Ethics, Springer, vol. 162(3), pages 627-644, March.

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