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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.

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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.

Who benefits?

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?

  • Tanzania

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.

Organizational Status

  • We are a registered non-profit, charity, NGO, or community-based organization.

Idea Maturity

  • 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?

  • More than 2 years

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

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Spam
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Team

Hi KIOO Kigoma Team,

We’re excited to share with you feedback and questions from the Amplify team and an external set of experts. We encourage you to think about this feedback as you continue to improve and refine your idea. You are welcome to respond in the comments section and/or to incorporate feedback into the text of your idea. Your idea and all associated comments will all be reviewed during the final review process.

-This is a bold answer to the challenge and one that really embraces the 'social model of disability'. It looks to and takes an advocacy/training approach to it too - so looking at it from both sides - 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 - not many look at 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 (and 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 resultantly help them lead meaningful lives. Economic independence leads to raised standards of living among the people with disabilities. Success stories of such initiatives serve as a role model that other regions in Tanzania e.g. Shinyanga can emulate. The financial institutions e.g CRDB have the capacity CRDB can roll out nationwide of such programs.
-Well thought through and clearly developed with the genuine needs of existing disabled entrepreneurs in mind. Whilst many projects focus on training disabled people to be entrepreneurs, this looks to mitigate a big obstacle to them become successful ones.
-Approaching financial institutions with such an idea can yield results if the country has comprehensive legal frameworks that promote corporate social responsibilities by way of tax rebates to financial institutions that support vulnerable groups such as those with disabilities.
-One challenge may include the ability to sustain viable economic activities in a challenging and rapidly changing business environment.
challenge will be changing the reported assumptions of financial institutions around the capability/riskiness of lending to PWD.
-How might you get into the financial institutions - what would be the drivers for these institutions to engage and be involved? Do you have allies already? What are their needs? Have any financial institutions come on board to support this idea yet?
-How will the entrepreneurs be selected?
-How will you recruit disabled entrepreneurs to be involved and also find a wide market for any accessible financial products/services that are developed? You may need to work in partnership to get wide reach on a new product so it gets enough use and uptake to be viable

In case you missed it, check out this Storytelling Toolkit for inspiration for crafting strong and compelling stories: http://ideo.to/DXld5g Storytelling is an incredibly useful tool to articulate an idea and make it come to life for those reading it. Don’t forget - June 4 at 11:59PM PST is your last day to make changes to your idea on the OpenIDEO platform.

Have questions? Email us at amplify@ideo.org

Looking forward to reading more!

Spam
Photo of KIOO Kigoma
Team

How will the entrepreneurs be selected?
Before selecting people with disability entrepreneur’s to benefit from the proposed project, we will have community volunteers who will be trained on how to run such selection and its protocols. Selection of beneficiaries will be household based, therefore every district, ward, village and household where the beneficiary is obtained will be assigned with an identification number (ID) that will different him/her from others. All of this identification will be done through digital process; we will use Survey CTO software to select beneficiaries. Our trained volunteers will be visiting household where a person with disability is living, they will talk to the head of household (HH) and finally they will talk to a person with disability examining him/her on his/her ability in running business and wanting to hear from him/her exactly what have been his/her obstacles towards entrepreneurship. From that survey the real training need will be obtained to allow us to develop training manuals in user friendly languages.

At organization levels after all data have been submitted we will sort and analyze them per district, ward, village and volunteers IDs. Not only that because people with disability household will be having IDs but also volunteers will trained and asked to take GPS of the places where beneficiary have been interviewed through GPS blogger or mobile phone, these GPS will help us to follow our volunteers during their work. Volunteers will be assigned numbers of people with disability to be visited a day and he/she will be required to send to the database all completed surveys within the day, that means there will be no volunteer that will be allowed to stay with information that has been collected during that particular day.

-How will you recruit disabled entrepreneurs to be involved and also find a wide market for any accessible financial products/services that are developed?
Before an identification to take place we will have a one day meeting per district where project objectives and activities will be shared and discussed. Also people with disability identification criteria will be discussed within the meeting. Participants of the meeting per district will be village and ward executive officers, village chairpersons, district officials, CSOs representatives, people with disability representatives and media people. At village level, village leaders from all villages within the districts will be responsible for setting up identification environment depending on the information that will be given to them, selection will be done randomly and village leaders will help us to inform their people on the coming of enumerators within their village. Some of criteria for people with disability are stipulated in Disability Act (2010), the employment Act (2010) and will be discussed and agreed during stakeholders launching meeting. Identification questionnaire will be developed and digitalized so that to be used through the mobile phone.

Marketing of the product will be done by KIOO; every trained person with disability will have his or her own Village Savings and Loan Groups (VSLG) where he/she belongs. All of these groups will be regally registered so that to enable them to run their business regally. Therefore all product that will be produced by these groups will be marketed through KIOO social medial and our website however in the long way we will facilitate every group with its own social media and blogs accounts to be managed by themselves as a way to sustainability.


You may need to work in partnership to get wide reach on a new product so it gets enough use and uptake to be viable.
KIOO is welcoming and partner that has interest in working with us for the better future of people with disability in Tanzania.

Spam
Photo of KIOO Kigoma
Team

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.
Objective 1: To provide training on business development services (BDS) to disabled people to help them improve their businesses
Activity 1 Train entrepreneur on business skills and business plan development
Activity 2 Prepare business plans for disabled entrepreneurs with viable business for financing
Objective 2: Empower and Support the disabled entrepreneurs to establish own micro finance institutions that will enable them access credit at relatively low rates, timely and favorable time frame
Activity 1 Sensitize disabled on the need to establish own micro finance
Activity 2 Train the micro finance leader on good governance and micro finance management
Objective 3: To Advocate and sensitize commercial bank to design financial products which will provide credits to business owned by persons with disability
Activity 1 Sensitization and advocacy meetings with commercial banks
Activity 2 Prepare a draft financial products that suits disabled
Activity 3 Prepare and Issue credit Guarantee certificate to commercial bank
Objective 4: To Empower disabled entrepreneur to be able to access sustainable markets
Activity 1 Identify disable entrepreneurs products to be linked to available markets for their products
Activity 2 Link disabled entrepreneurs with sustainable markets for their products
Objective 5: To establish credit guarantee funds (revolving fund) for disabled people which enable them access credit funds from various financial institutions
Activity 1 Identify financial institutions that is willing to operate the scheme
Activity 2 Operational the scheme and link viable business with the bank for credit

Spam
Photo of KIOO Kigoma
Team

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 un able 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. Furthermore, these entrepreneurs with disabilities when approaching financial institutions they are faced 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 fact that majority of them are poor who depend up on their relatives and friends for their productive resources.This goes against the United Nation Convention on the Rights of Persons with Disabilities which was ratified by the Parliament of Tanzania in 2009, whereby in article 27 (F) requires state parties to promote opportunities for self-employment, entrepreneurship, the development of cooperatives and starting one’s own business.
We organised a meeting with beneficiaries (persons with disabilities) to discuss the need for this project in turn they give their comment with strong recommendation to introduce the project for entrepreneurs with disabilities. The meeting involved 48 women and men who represents various organization of people with disabilities found in Kigoma region namely Tanzania League of Blind (TLB), National Association for the Deaf ( CHAVITA), Tanzania Association for physically hand capped (CHAWATA), Tanzania Albino Society (TAS).