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Employment Generation for the Persons with Disabilities through Inclusive Financing

YPSA aims to create employment for Persons with Disabilities through inclusive finance in coastal belt of Bangladesh

Photo of Vashkar Bhattachearjee

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What problem does your idea solve?

The livelihood conditions of the persons with disabilities are below the poverty line in the coastal belt of Bangladesh. They are excluded by the finance institute such as bank and micro-finance institutions etc. Lack of skills and employment make them burden for the society. To overcome this challenge YPSA has launched an intensive micro finance program for creating employment for them which will contribute to achieve SDGs 1 and 8 in Bangladesh.

Explain your idea

YPSA has a micro finance program targeted to 50000 people where people with disabilities were excluded; an intensive financing program and skill development were required to generate the employment for persons with disability. YPSA will select 10000 persons with disabilities by an intensive household survey in the working area. From 10000 persons with disabilities 100 self –help organizations/ groups will be develop and each of them will motivate for own capital generation through regular savings. YPSA will select 5000 persons with disabilities out of 10000 to provide micro-credit supports, USD 250 will be given to each without interest, only 5% service charges will be added and USD 251 up to USD 625 could be received by 6% service charges considering the future program sustainability. Before the financing, YPSA will arrange different need based skill development training and support for business development. YPSA used to monitoring and follow up them. Already some of them have been established themselves as a successful model of self-employment. 100 are successful in their business and they have taking loans for the second time to expansion and they have made linkage with the local markets. So it is considered as a model and ready for the further scale where YPSA wants to contribute a matching grant with a partnership. YPSA also planning to develop an intensive database, telephonic helpline, interactive feedback system etc. for effective implementation of the program.

Who benefits?

YPSA planning to reach 10000 persons with disabilities among them 50% will be female who are directly benefited and indirectly 100000 will be benefited through intensive micro finance program. Also other micro finance organization could replicate this model by which another 500000 will be benefited.

How is your idea unique?

Persons with Disabilities has included with the successful inclusive financing activities. They make saving groups and started small business through micro-credit loans from YPSA. They can be apply online loan from their home by E- Micro finance facilities and successful entrepreneurs will get grant money for their business expansion. A dedicated credit helpline will be established so they can directly communicate to the service provider. YPSA considered the types of disabilities, gender and their needs while loan disbursement. We provided different types loan without interest, only 5% service charges added. We have given need-based training for skill development and support them to linkage with the local market. A digital database will be developed by an intensive survey and regular monitoring and success observation can be possible through this database. Meanwhile YPSA provided different training to increase advocacy skills so they can claim the rights stated in UNCRPD and SDGs.

Tell us more about you

Young Power in Social Action (YPSA) is a social development organization runs Micro-Finance program since its inception. Currently we have a partnership with Palli Karma-Sahayak Foundation (PKSF), an apex development organization established by the Government of Bangladesh (GoB), for sustainable poverty reduction through employment generation. YPSA has the roll to implement this program and PKSF has provided funding credit, we are looking for partnership to further scale up this innovation.

What are some of your unanswered questions about the idea?

It’s a piloting by the YPSA and supported by the government own micro credit apex foundation PKSF based on its success it will be expand in other part of the country and it will support the existing national skill development policy and Persons with Disabilities' Rights And Protection Act 2013 and helpful to achieve the SDGs 1 and 8 poverty reduction and employment generation and UNCRPD article 27 employment. Persons with disabilities are the poorest of the poor with lack of skills and employment opportunities are excluded by the micro finance organization even though our country is considered as a land of micro credit. This intervention could serve as a model for others. This initiatives has received zero project award 2017.

Where will your idea be implemented?

  • Bangladesh

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?

Through the community feedback we realized, only micro-credit cannot solve the unemployment problem of persons with disabilities. Hence, YPSA have included distribution of grant, conduct a self-assessment, establish the feedback mechanism, developed a market linkage and reached the unreached and more vulnerable people with disabilities. Also with the feedback suggested to increase more women participation, YPSA recruit more people with disabilities as staffs. Based on community feedback, YPSA loan size is now increasing US$ 250 to US$ 625 . That means, persons with disabilities could receive loan by US$ 250 with 5% service charges and US$ 251 to US$ 625 with 6% service charges will be added considering future program sustainability. YPSA consider the vulnerability, innovation etc. in loan disbursement. Also members will receive one time grant for their business expansion.

Who will implement this idea?

YPSA will implement this project through its micro finance program. The project located at coastal belt of Chittagong, Bangladesh. A group of 32 devoted full time staffs will actively work among them 15 people with disabilities will give their best effort. Although YPSA has a partnership with Palli Karma-Sahayak Foundation (PKSF) but their main roll is funding. YPSA is looking for a partnership through a matching grant to expand the project where 50% fund will be contributed from YPSAs end.

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?

YPSA has a strong communication mechanism. YPSA General Body govern by 59 members, annually meets in the General meeting. The General Body approves the Constitution of Organization's, the coming years budget and activities. The Chief Executive, as member secretary, informs members about Organizational Progress. The 7 members Executive Committee elected by the 59 general members for 3 years. The EC Committee approves the organizational policy, manual, short Term & long term (5years) strategic plan. On behalf of EC, Chief Executive provides strategic direction. Moreover, YPSA has a team of Directors, Accountants, Program Managers, HR Manager and Operational staffs who work under the guidance of organizational policy. YPSA has a procurement policy for ensuring transparency and accountability.

What is it that most attracted you to Amplify instead of a more traditional funding model?

Amplify is attracting because it gives us the opportunity to modify our idea to make more ideal. Furthermore, Amplify engaged more people from the community with their real life experience, they contribute to shape up the idea. It also gives us ample guidelines to organize our idea. We disseminate our small initiative all over the world and this initiatives will fully meet one of the world’s most pressing problem “reduce stigma and increase opportunities for people with disabilities”.

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?

Income generation activities is good for survival but for their further expansion in a big volume the common stigma comes from the society that persons with disability cannot do anything due to lack of education, mobility skills and accessibility issues. Since these groups are living hard to reach area so addressing the information rights of marginalized communities are still behind the mainstreaming of development. Participation of Persons with Disability to access and claim their rights are very limited and addressing the Disability inclusive disaster management at hard to reach area also a big challenge. Moreover, financial institutions have no confidence to finance them, which creates a biggest challenge for their employment generation and further expansion of business.

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?

By 2022, YPSA aims to generate 5000 employment and 25000 people with disability will directly benefitted by this model. The biggest question is how the successful people will go for business expansion because commercial banks are not yet accessible for them. Micro credit provider also reluctant to work with them. Hence, we need to make an intensive plan for employment generation of persons with disability. This piloting could create a big hope considering the above situation.

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 20-50 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:

  • Above $1,000,000 USD

If your team/idea/organization has a website, please share the URL below.
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Team (4)

Vashkar's profile
Ayesha's profile
Ayesha Parvin Kanta

Role added on team:

"Mother of a children with multiple disability is trying to make inclusive society."

Tajin's profile
Tajin Sadia

Role added on team:

"A person with physical disability is working hard to reduce the stigma from the society ."

MdArifur's profile
MdArifur Rahman

Role added on team:

"Md. Arifur Rahman is working as the Chief Executive of Young Power in Social Action (YPSA) a registered non-government nonprofit voluntary social development organization, of which he was one of the founders back in 1985 (UN International Youth Year). In different capacities, he has been engaged with various national & international social development networking since long. He has a major role for empowerment of the people with disability at natural disasters prone coastal regions of Bangladesh."

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Attachments (5)

YPSA User Experience Map.pdf

YPSA User Experience Map


YPSA Annual report 2015-2016


YPSA Audit report 2015-2016

YPSA_Procurement Policy 2015.pdf

YPSA Procurement policy

Baseline Survey_Inclusive Finance_YPSA.pdf

YPSA Baseline survey on Inclusive Financing


Join the conversation:

Photo of Shemo Akter

persons with disabilities are very much interest in this inclusive finance.

Photo of Vashkar Bhattachearjee

Thanks, our organization is working hard on this goal.

Photo of Subrata Dev

As I am person with disabilities, It is a good idea for person with disabilities.

Photo of Vashkar Bhattachearjee

Thanks for your appreciation.

Photo of AB Shakir

Awesome idea indeed. Great model of inclusiveness.

Photo of Vashkar Bhattachearjee

Your comments will encourage us.

Photo of Rasu Samanta

As a women with disabilities, I apprisiate the concept. I think it will change the ecomic condision and increase the sociol acceptence of women with disabilities.

Photo of Vashkar Bhattachearjee

Employment generation will be possible through this innovative idea. Particularly women with disabilities could become empower in the society and reduce stigma.

Photo of Gazi Mainuddin

People with disability poorest of the poor in Bangladesh. it is needed to make a good and sustainable plan for their full inclusion by involving the community.

Photo of Vashkar Bhattachearjee

Thanks. This innovative idea comes from the community demand of the coastal area who are really very marginalized and vulnerable. This project design to implementation, in it's every phase YPSA ensure the community involvement. YPSA will take a small amount such as 5%-6% service charge for future sustainability of the project.

Photo of Shaheda Khanom

People with Disabilities are eagerly involve in the inclusive finance

Photo of Vashkar Bhattachearjee

Thanks. YPSA always welcome people with disabilities.

Photo of Fahimur Zishan

As a future doctor I think it's an innovative idea to change the life of the persons with disabilities..

Photo of Vashkar Bhattachearjee

Thanks, YPSA hope that inclusive financing could be a model of Bangladesh and others can replicate this idea and persons with disabilities life could be change all over the world.

Photo of Mohammad Shahjahan

It seems very effective idea to empower the persons with disabilities in Bangladesh. Need based vocational training and market linkages for product marketing can foster this initiative.

Photo of Vashkar Bhattachearjee

Thanks for your suggestion.
YPSA will do need base assessment before starting any vocational training. It is our continuous process to linkage with the market for our potential members such as YPSA organize convention with fair in every year where members can display and sale their product and they can update their product considering citizens feedback also.

Photo of Tajin Sadia

It is super idea for PWD's . But specially needed training on Vocational Rehabilitation employment for persons with disabilities.

Photo of Vashkar Bhattachearjee

Thanks for the great suggestion.

Photo of Vashkar Bhattachearjee

Greetings OpenIDEO team!
I would like to say that YPSA targeted People with disabilities living in the coastal belt of Chittagong, Bangladesh, have very limited job opportunities and almost no micro-financing options. YPSA will survey 10000 persons with disabilities and formed them in 100 self-help groups to generate community savings. Based on their socio-economic background and personal interest, 5000 persons will be selected to receive inclusive and interest-free loans of US$ 250. Persons with disability will receive vocational training courses and YPSA will be given technical support and guidance in establishing their own business. We hope number of them will become successful and YPSA will provide loans for the second time to expand their business if needed.

YPSA's current approach to engage multiple stakeholder including local government, civil society organization, organization of people with disabilities through workshops, meetings, capacity development programs and awareness program. Persons with Disability and their families will be directly consulted and engage in different stage of the project. When YPSA will enroll any member of saving groups, initially we consider to reach the unreached people with disabilities who are more vulnerable, their types of disability and gender will also be consider. According to YPSA micro finance policy 10% parent with disability could become a member of saving groups. YPSA consider the severity of disability and given priority. Each of the members have a micro insurance, if any people with disability or main earning family member die then she will get loan waiver and also death benefit. Also there is some product which cover micro insurance such as if anyone buy a cattle with a seasonal loan and it die then she don’t need to return the money.

Above 53% staffs are also female to serve the people with disabilities. YPSA arrange regular training program for micro credit staffs that they know how to deal with different types of people with disabilities. YPSA have an intensive plan to develop an accessible system by which people with disabilities directly could interact with our credit officers and other staffs, there will be a help-desk which can be reached by sms, phone call and websites etc.

Considering accessibility there will be a communication mechanism with the local Disabled People Organizations DPOs, Union digital center, Local government authority who also can bring the information to the system. Our 90% participant covering in the rural part of the country, many of them are low literate and there is no standard sign language. Hence the project design considering their requirement of communication.

YPSA is one of the 32 years old organization has a huge acceptance by the community. Based on YPSA’s long time experience it’s easy to bring the persons with disabilities in micro finance program. YPSA will conduct a self-assessment by identifying their socio- economic condition and that would be store in an online database and regularly it will be update and monitor the progress. Based on the assessment report and with the consultation of persons with disability requirement YPSA design an employment profile and provide the loan and also provide a onetime grant if needed. Each stage of the project loan disbursement to saving groups formation, selection of skill development program to grant distribution, project has consulted with the local people with disabilities and their organization.

YPSA will cover different skill training such as Tailoring, cow rearing, handicrafts making, poultry farming etc. . YPSA also arrange convention with a fair in every year for persons with disability where they can display and sell their product and linkage with the market. According to the citizen feedback they upgrade their product, Hence YPSA arrange to provide training on the basis of current market demand and local need. In every week there is a common place beside the road all the small trader come to sell their product which we call in our domestic language Hat /Mela . Villagers with their children and family members come to this mela for buying different product at low cost because trader haven’t need to pay any stall rent or electricity bill here. Small trader just calculate product cost including small profit.

Most importantly the idea which YPSA providing has generated with the requirement of the Federation of DPOs Sitakund which is one of the largest DPOs in Chittagong coastal belt. 40 DPO’s which all are from grassroots level are involved with the Federation of DPOs Sitakund, YPSA has been working with this DPOs for making inclusive financing program which would be a model for Bangladesh.

Photo of OpenIDEO

Hi Vashkar Bhattachearjee and 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.

- We're excited to read more about your innovative approach! You do a great job articulating your inclusion of people with disabilities into your process and your commitment to ensure 50% of your beneficiaries will be female.
- Tell us more about how you will work with multiple stakeholders! For example, a potential challenge could be the acceptance by the families and communities of people with disabilities. How will you ensure that family members are included in training where possible, and that awareness-raising activities are carried out with community leaders and potential employers throughout the project cycle? Do you have ideas or plans for a robust, accessible and responsive feedback mechanism for key stakeholders?
- We would like to see a clearer articulation of your users' needs. For example, how do the beneficiaries’ gender, type of disability and location (rural/urban etc) affect their access to the micro-credit loan disbursement? Have people with disabilities and their representative organisations been consulted in ascertaining these needs? And at what stage are the users consulted for the type of employment they would like to engage in, and as to what reasonable accommodation is necessary for them to access the training and self-help groups, etc?
- We want to read more about your pilot and your training approaches! What were some challenges and lessons learned along the way? Do you have different approaches to meet the needs of several types of disabilities?
- We're excited to read more about the full journey your intended user will go through and associate stakeholders involved.

In case you missed it, check out this Storytelling Toolkit for inspiration for crafting strong and compelling stories: 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

Looking forward to reading more!

Photo of Syed Ullah

Inclusive finance, effective idea for the persons with disabilities to change their socio economic condition..

Photo of Vashkar Bhattachearjee

Thanks, our ultimate goal is to contribute the implementation of SDG goal in Bangladesh where no one is left behind.

Photo of MdArifur Rahman

Inclusive Finances are essential to mainstreaming the persons with disabilities specialy for who living in the remote hard to reach areas. Thanks for this initiatives. Hope it will accomplish nicely its goal and objectives. Also this initiatives will replicate in other parts of Bangladesh and beyond. In solidarity.

Photo of Vashkar Bhattachearjee

Right ,if we could provide financial and skill development support persons with disabilities can way out their poverty through creating self-employment.

Photo of Abdus Sabur

It is a innovative idea for the well-being of person with disabilities. To meet the vision of 2020 of Bangladesh Government as well as SDG goals need allusive engagement of disable person in development activity. I believe development is myth without maistreaming of disable person.

Photo of Vashkar Bhattachearjee

It’s a new experience for me to interact with the diverse community and ample of innovative solution who are carry out with this challenge. I believe that my participation will increase my knowledge and experience and helpful to build network with others.

Photo of Ahsan Sarker

Inclusive finance, new idea for the persons with disabilities to change their socio economic condition..

Photo of Vashkar Bhattachearjee

Thanks, even my organization YPSA ignore the people with disabilities in our micro credit program few years ago. But now we have learn and make a model for other how to involve people with disabilities in Micro finance and Micro enterprise program.

Photo of Ayesha Kanta

This idea is very practical for poverty alleviation and empowered our girls and women with disabilities.

Photo of Vashkar Bhattachearjee

Thank you very much for your complements. We are positively engaging women with disabilities in the inclusive micro finance program around 50% participants are girls and women with disabilities.

Photo of Ashley Tillman

Thanks Vashkar, for contributing to the challenge and sharing the important work you are doing!

For this program, what would be a few goals you would hope to accomplish in 2-3 years?

Photo of Vashkar Bhattachearjee

We are expecting to create employment for 5000 persons with disability and also this model could replicated in all over the country by next 2 or 3 years.