"金钱不理解残疾":孟加拉国残疾人小额信贷的障碍

IF 1.3 Q2 SOCIAL WORK
Debashis Sarker
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引用次数: 0

摘要

由于获得负担得起的金融产品和服务的机会有限,许多残疾人受到社会排斥,并努力确保自己的财务福祉。30 多年来,孟加拉国一直广泛使用小额信贷作为减贫和增强贫困人口能力的工具,但很少有残疾人能够获得小额信贷服务。因此,本研究旨在确定孟加拉国残疾人在获得小额信贷时遇到的障碍和挑战。利用定性案例研究方法,专题分析的结果表明,残疾人在获得小额信贷时会遇到重大障碍,如对残疾人的偏见、苛刻的信贷条件、工作人员的消极态度、培训不足以及缺乏综合方法。研究表明,包容性政策及其有效实施对于确保残疾人获得金融资源至关重要,这样他们才能努力享有更大的社会经济独立性,并与其他人一样平等地为社会做出贡献。
本文章由计算机程序翻译,如有差异,请以英文原文为准。

“Money does not understand disability”: Barriers to microfinance for people with disabilities in Bangladesh

“Money does not understand disability”: Barriers to microfinance for people with disabilities in Bangladesh

Due to limited access to affordable financial products and services, many people with disabilities experience social exclusion and struggle to secure their financial well-being. While microfinance has been widely used in Bangladesh for more than three decades as a tool to reduce poverty and empower people living in poverty, few people with disabilities have had access to microfinance services. Therefore, the aim of this research is to identify the barriers and challenges that people with disabilities experience to access microfinance in Bangladesh. Drawing on a qualitative case study approach, the findings of a thematic analysis show that people with disabilities experience significant barriers in accessing microfinance such as stigma against people with disabilities, stringent credit conditions, negative staff attitudes, insufficient training, and the absence of an integrated approach. The research suggests that inclusive policies and their effective implementation are vital to ensure that people with disabilities have access to financial resources so that they could work to enjoy greater socio-economic independence and contribute equally to society with others.

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来源期刊
CiteScore
2.10
自引率
0.00%
发文量
32
期刊介绍: There is a growing recognition that major social trends, such as the process of globalization, rapidly changing demography, increasing psycho-social difficulties in individuals and families, growing economic disparities within and between the nations, and international migration, present important challenges for social policies and social work practices in Asia. It also has become evident that social policy strategies and social work methods must be developed and implemented in the context of Asian region''s own histories, cultures, and unique developmental trajectories in order to respond effectively to those emerging challenges. The Asian Social Work and Policy Review seeks to encourage exchanges of original ideas, rigorous analysis of experiences, innovative practice methods founded on local knowledge and skills of problem solving in the areas of social work and social policy between various countries in Asia.
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