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

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  • Leif Atle Beisland
  • Roy Mersland

    (UIA - University of Agder)

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.

Suggested Citation

  • Leif Atle Beisland & Roy Mersland, 2012. "Barriers to microcredit for disabled persons: Evidence from economically active persons in Uganda," Post-Print hal-05220850, HAL.
    • Handle: RePEc:hal:journl:hal-05220850
    DOI: 10.3362/1755-1986.2012.003
    Note: View the original document on HAL open archive server: https://hal.science/hal-05220850v1
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    Cited by:

    1. Leif Atle Beisland & Roy Mersland, 2014. "Microfinance and Disability: Recommendations for policymakers and practitioners," Post-Print hal-05222140, HAL.
    2. 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.

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