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Financial access for persons with disabilities

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Publicado el

Equals, Centre for Promotion of Social Justice. Spark Spring Edition 2016.

Publicado en: Salud y medicina
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Financial access for persons with disabilities

  1. 1. Excluded from Inclusion Financial Access for Persons with Disabilities – Current Status and Challenges
  2. 2. Outline • Understanding disability – moving from medical to social models • Barriers to access to financial services • Exclusions in policy and law • Challenges • Discussion
  3. 3. Understanding Disability
  4. 4. Charity model of disability Disability is a curse, and the able bodied need to up our karma points by giving them what we think they need to survive.
  5. 5. ‘Criminal’ model of disability Some disabled people are dangerous and need to be locked up because they can influence or contaminate the rest of society
  6. 6. Medical model of disability Disability is an abnormality of the human condition which needs to be fixed or cured or prevented, so that people with disabilities can be ‘normal’
  7. 7. The person with the impairment is the problem, not the environment, not society, not anyone else No question of rights, consent or consideration of will and preference
  8. 8. Social model of disability A person’s impairment becomes a disability when interaction with various barriers hinders their full and effective participation in society on an equal basis with others
  9. 9. Rights based model of disability Following from the social model of disability, the removal of barriers and creation of enabling environments is a basic human right.
  11. 11. Communication barriers
  12. 12. Communication barriers
  13. 13. EXCLUSIONS IN POLICY AND LAW Financial inclusion for only some?
  14. 14. Existing RBI Guidelines/Circulars Physical and sensory disabilities • Braille chequebooks and talking ATMs for the blind • Accept alternatives to thumb impressions • Ramps in all banking establishments Mental disabilities • GUARDIANSHIP
  15. 15. JAN DHAN YOJANA If 15% of the population are persons with disabilities, shouldn’t a financial inclusion scheme like this be responsive to their needs? Data disaggregation?
  16. 16. Changing views “Some persons with disabilities will never be able to understand how to manage a bank account” “How can we provide information and service in an accessible manner to allow for persons with disabilities to access financial services on an equal basis with others?”
  17. 17. Changing views “We are doing this for their own safety, they can be tricked into parting with their money” “How can we improve our security protocol, through technology, to enable safe transactions for everyone? ”
  18. 18. Changing views “Persons with disabilities cannot be given loans as they will not be able to repay them” “On what basis do we assume that persons with disabilities are unreliable debtors? If there are barriers, how many are on account of inaccessible
  19. 19. CHALLENGES • Data collection • Breaking myths and stigma • Segregated inclusion – schemes under the National Trust etc. • Financial viability of making things more accessible
  20. 20. Discussion