{"title":"\"金钱不理解残疾\":孟加拉国残疾人小额信贷的障碍","authors":"Debashis Sarker","doi":"10.1111/aswp.12318","DOIUrl":null,"url":null,"abstract":"<p>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.</p>","PeriodicalId":44567,"journal":{"name":"Asian Social Work and Policy Review","volume":null,"pages":null},"PeriodicalIF":1.3000,"publicationDate":"2024-06-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/aswp.12318","citationCount":"0","resultStr":"{\"title\":\"“Money does not understand disability”: Barriers to microfinance for people with disabilities in Bangladesh\",\"authors\":\"Debashis Sarker\",\"doi\":\"10.1111/aswp.12318\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<p>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.</p>\",\"PeriodicalId\":44567,\"journal\":{\"name\":\"Asian Social Work and Policy Review\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":1.3000,\"publicationDate\":\"2024-06-19\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"https://onlinelibrary.wiley.com/doi/epdf/10.1111/aswp.12318\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Asian Social Work and Policy Review\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://onlinelibrary.wiley.com/doi/10.1111/aswp.12318\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"SOCIAL WORK\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Asian Social Work and Policy Review","FirstCategoryId":"1085","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1111/aswp.12318","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"SOCIAL WORK","Score":null,"Total":0}
“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.
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.