Good practices for economic inclusion of PWDs in development

Good practices for economic inclusion of PWDs in development

Funding Mechanisms for Self-Employment
Handicap International

This report aims to highlight good practices, strategies, tools and operational methods that guarantee the
efficiency and sustainability of projects that support access to funding mechanisms and the selfemployment
of landmine victims and people with disabilities in general. More specifically, the study focuses
on the use of microcredit and grants for the start-up and expansion of microenterprises.

These guidelines are based on the findings of: a global survey and interviews with organisations of/for
people with disabilities and microfinance providers; a literature review; field studies in seven countries
(Afghanistan, Bangladesh, Ethiopia, India, Kenya, Nicaragua and Uganda); the outcome of regional
workshops conducted in Dhaka, Bangladesh and Nairobi, Kenya; and a final workshop in Geneva where
the first draft of this report was discussed with practitioners from the microfinance and disability sectors.

One of the objectives of this report is to identify strategies that help reduce poverty among people with
disabilities, in this case through access to microcredit for self-employment. Indeed, it is estimated that 10–12
per cent of the world’s population has some kind of disability and that 82 per cent of them live below the
poverty line. Being able to earn a stable income is therefore a main priority for people with disabilities.
A major finding of the study was that people with disabilities are highly underrepresented among the
clients of microfinance institutions. While it is estimated that people with disabilities constitute an average
of 10 per cent of the population, microfinance organisations reported that 0–0.5 per cent of their clients
had a disability; although most of them do not control this variable.