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Excluded from Inclusion
Financial Access for Persons with
Disabilities – Current Status and
Challenges
Outline
• Understanding disability – moving from
medical to social models
• Barriers to access to financial services
• Exclusions in policy and law
• Challenges
• Discussion
Understanding Disability
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.
‘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
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’
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
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
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.
BARRIERS TO ACCESS TO
FINANCIAL SERVICES
Physical access
Communication barriers
Communication barriers
EXCLUSIONS IN POLICY AND
LAW
Financial inclusion for only some?
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
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?
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?”
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? ”
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
CHALLENGES
• Data collection
• Breaking myths and stigma
• Segregated inclusion – schemes under the
National Trust etc.
• Financial viability of making things more
accessible
Discussion
equalscpsj@gmail.com

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Financial access for persons with disabilities

  • 1. Excluded from Inclusion Financial Access for Persons with Disabilities – Current Status and Challenges
  • 2. Outline • Understanding disability – moving from medical to social models • Barriers to access to financial services • Exclusions in policy and law • Challenges • Discussion
  • 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. ‘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. 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. 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. 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.
  • 10. 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. BARRIERS TO ACCESS TO FINANCIAL SERVICES Physical access
  • 14. EXCLUSIONS IN POLICY AND LAW Financial inclusion for only some?
  • 15. 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
  • 16. 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?
  • 17. 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?”
  • 18. 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? ”
  • 19. 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
  • 20. CHALLENGES • Data collection • Breaking myths and stigma • Segregated inclusion – schemes under the National Trust etc. • Financial viability of making things more accessible