Access to financial services for People with Disabilities in Kigoma, Tanzania.
To increase access to finance to people with disabilities to be able to expand their business in Kigoma region.
What problem does your idea solve?
People with disabilities in Tanzania in spite of many social economical challenges they are facing they involve themselves in entrepreneurship activities but due to lack of access to financial institutions they are unable to competently compete with other entrepreneurs without disabilities. In accessibility to financial institutions is caused by the low confidence the financial institutions runners have towards entrepreneur with disabilities.
Explain your idea
It is estimated that ten per cent of the population in Tanzania is made of people with disabilities. In most cases the majority of them live in rural areas that experiences high levels of poverty due to a number of reasons but most significantly is due to negative altitude harbored by the society towards them. Due to Society perception people with disabilities are denied access to education, decision making opportunities and basic social requirements which always render them powerless. People with disabilities in Tanzania in spite of many social economic challenges they are facing they involve themselves in entrepreneurship activities but due to lack of access to financial institutions they are unable to competently compete with other entrepreneurs without disabilities. In accessibility to financial institutions is caused by the low confidence the financial institutions runners have towards entrepreneur with disabilities.
KIOO has decided to conduct an advocacy strategy that is aiming at improving access to financial resources available in the country. Advocacy strategy will be under three classes. Firstly dialogue with runners’ financial institutions includes training on disability and development, secondly expose entrepreneurs with disabilities to skills on micro financing, and thirdly encourage and empower entrepreneurs with disabilities to involve or form their own micro finance groups such as Village Community Banks (VICOBA), SACCOS and other fund raising techniques.
The project targets to support people with all disabled entrepreneurs in the program areas who are actively engaged or would like to engage in productive economic activities. The project will assess their business, prepare business plans and link them to financial institutions for credit. The program targets to reach 700 economically active disabled entrepreneurs in Kigoma region. The project will be working in all eight districts in Kigoma
How is your idea unique?
The uniqueness of this idea is because it one that really embraces the 'social model of disability'. It looks to and takes an advocacy and training approach to increase 'supply' as well as 'demand' for financial services and products. Whilst there are lots of financial inclusion products and projects in the sector but they have not been looking it from the perspective of disabled people and seek to ensure they are accessible to them yet they are a key tool to support people (disabled people) to become successful entrepreneurs. This is an excellent idea because most people with disabilities have been marginalized and have not been meaningfully economically active due to varied reasons. Starting this small is an empowering process that has huge benefits for this disadvantaged group. Establishing partnerships such as these go a long way in empowering and resultant help them lead meaningful lives. Economic independence leads to raised standards of living among PWD
Tell us more about you
Umoja wa Wawezeshaji which is abbreviated as KIOO, is a voluntary, non-governmental with no political or religious affiliation. The organisation not for profit sharing which was formed inNovember 9, 2004. The organization is registered as under the Societies Ordinance Act of 1954 with certificate of registration number SO 12793. The overall goal of KIOO is to promote and protect human rights of the poor and marginalized groups; especially Disabled, women and vulnerable children and imp
What are some of your unanswered questions about the idea?
Village Savings and Loan Groups and provision of startup capital through revolving funding, from 700 targeted direct beneficiaries we will form economic group where every group will be having a total of 25 members; therefore from 700 target beneficiaries we expect to have 28 groups that will be trained and every group will have members from same village/ward. Apart from group members to be trained every group will have a so carried Village Savings and Loan Groups Facilitator who will be responsible in passing skills and mobilizing other people with disability to join/form another group. The facilitator will be elected among group members and their work will be 100% volunteerism.
Where will your idea be implemented?
Experience in Implementation Country(ies)
Yes, for more than one year.
Expertise in Sector
I've worked in a sector related to my idea for more than a year.
We are a registered non-profit, charity, NGO, or community-based organization.
Piloting: I have started to implement my solution as a whole with a first set of real users.
How has your idea changed based on feedback?
The executive director Mr Edward with the project manager discussing after visiting Ilagala education and vocational training centre in Ilagala village which is KIOO owned centre. Access to financial services facilitates greater people with disability to invest in productivity and enhancing assets, this increases people with disability income in future. Investment is the active redirection of resources by an economic entity from being consumed today, to creating benefits in the future. The hope is that the investment will yield greater benefits in future than would be yielded by consuming those resources today. The investment will taken in form of savings, of a financial instrument (e.g. an equity investment), of physical capital (e.g. a new tool or piece of equipment that improves productivity such as agricultural machinery), or of human capital (e.g. training). All of this will be done through the established revolving funding.
Who will implement this idea?
KIOO will use 18 staff to implement this project being an educational and vocational training centre principle where these trainings will be carried, 6 cookers that will be cooking for trainee during training. 6 teachers to teach different business management modules, 5 field staff that will be assigned per district to make followups work done by village loan groups and individuals including passing through business plan for loan
Using a human-centered design approach, you may uncover insights that lead to small or foundational changes to your organization’s existing strategy or processes in order to unlock the potential of your idea. How would your organization go about making such changes?
KIOO is managed by the Executive Director, Accountant, Program Manager) and other field staffs who work under the guidance of the board of directors. Board meetings is done two times a year while members annual general meetings is done annually. In annual meetings work report narrative and financial is shared and discussed while plan for the new year is also passed. KIOO has vast experience of utilizing right based approach and participatory methodologies to build and enhance capacities of communities to bring about sustainable changes of attitude and behaviours by promoting socio-economic development and promoting good governance and accountability.
What is it that most attracted you to Amplify instead of a more traditional funding model?
We have been attracted by Amplify because it gives time to modify your idea while other traditional funding there is no such opportunity. Furthermore through Amplify more people are engaged in providing improvement opinion while in traditional ways there is no such an opportunity and there is no a room to know there you would improve.
What challenges do your end-users face? (1) What is the biggest challenge that your end-users face on a day-to-day, individual level? (2) What is the biggest systems-level challenge that affects your end-users?
Most of the disabled people in Kigoma have ability to work to generate income generation activities for their survival but very few managed. Another reason is attitude and perception of the society that PWD cannot do anything therefore Access to financial services would assist them to start or expand their economic activities. Furthermore inaccessibility to financial institutions is caused by the low confidence the financial institutions runners have towards entrepreneur with disabilities. Furthermore, these entrepreneurs with disabilities when approaching financial institutions they are faced among others stereotypes and strict conditional for instance the condition to advance collateral being security for lending. This condition denies them the access to financial support due to the
Tell us about your vision for this project: (1) share one sentence about the impact you would like to see from this project in five years and (2) what is the biggest question you need to answer to get there?
To have people with disability that has standard life like other non disabled people
How long have you and your colleagues been working on this idea together?
How many of your team’s paid, full-time staff are currently based in the location where the beneficiaries of your proposed idea live?
Between 10-20 paid, full-time staff
Is your organization registered in the country you intend to implement your idea in?
We are registered in all countries where we plan to implement.
My organization's operational budget for 2016 was:
Between $100,000 and $500,000 USD
If your team/idea/organization has a website, please share the URL below.
www.kioo.org or www.facebook.com/kioo2016