|dc.description.abstract||People with disabilities are overrepresented among those in the world who live below
the poverty line, and being disabled they face additional barriers to empowerment in an
already challenging environment.
Providing access to finance is considered to be an important step to empower these
individuals, and microfinance programs, such as village loans and savings associations
(VSLAs), have been widely regarded as part of the solution. While existing research
indicate that such programs positively impact the financial situations and livelihood
of non-disabled participants, less research is available on PWD’s effect of participation.
Evaluating the effects of two VSLA programs targeted at PWDs in rural areas of Northern
Uganda, this thesis aspires to contribute to the topic of what PWDs gain from participating
in microfinance programs.
The majority of the thesis revolves around an evaluation of the iSAVE Inclusive
Economic Empowerment Programme, where VSLA groups are established and trained.
A quantitative analysis of non-experimental survey data is conducted. Attempting to
facilitate causal inference, a Propensity Score Matching approach is applied to compare
Additionally, a brief evaluation of a VSLA facilitated by Adina Foundation Uganda is
conducted, through a qualitative content analysis of reports from interviews.
Findings indicate that participation in VSLAs facilitates economic empowerment for
PWDs. Significant improvements in livelihood conditions and an increase in likelihood of
starting income generating activities are identified. Approaches which include education
in topics like literacy, hygiene, and alcoholism appear to enable social empowerment.||en_US