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The use of microfinance services among economically active disabled people: Evidence from Uganda

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  • Leif Atle Beisland
  • Roy Mersland

    (UIA - University of Agder)

Abstract

This study investigates the use of microfinance services among economically active disabled people in Uganda. The findings suggest that disabled people make more use of microfinance services than previously assumed. A total of 89 per cent of the survey's respondents state that they have used at least one type of microfinance service. Informal self‐help schemes are more easily accessed than formal institutional schemes, and disabled people access more savings than loans. The multivariate analysis shows that access to microfinance services is positively related to education level. In addition, deaf people generally have less access to microfinance than those in other disability categories. Copyright © 2010 John Wiley & Sons, Ltd.

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  • Leif Atle Beisland & Roy Mersland, 2010. "The use of microfinance services among economically active disabled people: Evidence from Uganda," Post-Print hal-05220840, HAL.
    • Handle: RePEc:hal:journl:hal-05220840
    DOI: 10.1002/jid.1720
    Note: View the original document on HAL open archive server: https://hal.science/hal-05220840v1
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    1. Imran Matin & David Hulme & Stuart Rutherford, 2002. "Finance for the poor: from microcredit to microfinancial services," Journal of International Development, John Wiley & Sons, Ltd., vol. 14(2), pages 273-294.
    2. Bouman, F. J. A., 1995. "Rotating and accumulating savings and credit associations: A development perspective," World Development, Elsevier, vol. 23(3), pages 371-384, March.
    3. Mersland, Roy, 2009. "The Cost of Ownership in Microfinance Organizations," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 37(2), pages 469-478.
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    2. Labie, Marc & Méon, Pierre-Guillaume & Mersland, Roy & Szafarz, Ariane, 2015. "Discrimination by microcredit officers: Theory and evidence on disability in Uganda," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 58, pages 44-55.
    3. Leif Atle Beisland & Roy Mersland, 2014. "Microfinance and Disability: Recommendations for policymakers and practitioners," Post-Print hal-05222140, HAL.
    4. Leif Atle Beisland & Roy Mersland, 2017. "Exploring Microfinance Clients with Disabilities: A Case Study of an Ecuadorian Microbank," Journal of Development Studies, Taylor & Francis Journals, vol. 53(11), pages 1929-1943, November.
    5. Nicola Banks & Dan Brockington & David Hulme & Mathilde Maitrot, 2019. "Interrogating Microfinance Performance Beyond Products, Clients and the Environment: Insights From the Work of BRAC in Tanzania," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 31(3), pages 339-363, July.
    6. 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.
    7. Leif Atle Beisland & Roy Mersland & Stephen Zamore, 2016. "Motivations for Business Start‐up: Are There any Differences Between Disabled and Non‐disabled Microfinance Clients?," Journal of International Development, John Wiley & Sons, Ltd., vol. 28(1), pages 147-149, January.
    8. 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.
    9. Kara, Alper & Zhou, Haoyong & Zhou, Yifan, 2021. "Achieving the United Nations' sustainable development goals through financial inclusion: A systematic literature review of access to finance across the globe," International Review of Financial Analysis, Elsevier, vol. 77(C).
    10. Ahmed Idi Kato, 2023. "Unlocking the Potential of Microfinance Solutions on Urban Woman Entrepreneurship Development in East Africa: A Bibliometric Analysis Perspective," Sustainability, MDPI, vol. 15(20), pages 1-22, October.
    11. Andrés Martínez-Medina & Sonia Morales-Calvo & Vicenta Rodríguez-Martín & Víctor Meseguer-Sánchez & Valentín Molina-Moreno, 2022. "Sixteen Years since the Convention on the Rights of Persons with Disabilities: What Have We Learned since Then?," IJERPH, MDPI, vol. 19(18), pages 1-21, September.
    12. Beisland, Leif Atle & Mersland, Roy, 2014. "Microfinance and Disability: A review of the literature and recommendations for practitioners and policy makers," EconStor Open Access Book Chapters, in: Disability and Equity at Work, pages 172-194, ZBW - Leibniz Information Centre for Economics.
    13. Adnan Ali & Suresh Ramakrishnan & Faisal Faisal & Zahir Ullah, 2023. "Bibliometric analysis of global research trends on microfinance institutions and microfinance: Suggesting new research agendas," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 28(4), pages 3552-3573, October.
    14. Rafiatul Adlin Hj Mohd Ruslan & Christopher Gan & Baiding Hu & Nguyen Thi Thieu Quang, 2019. "Accessibility to Microcredit by Small- and Medium-Sized Enterprises in Malaysia," International Journal of Business and Economics, School of Management Development, Feng Chia University, Taichung, Taiwan, vol. 18(3), pages 287-305, December.

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