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close this bookSustainable Development and Persons with Disabilities: The Process of Self-Empowerment (ADF, 1995, 117 p.)
View the document(introduction...)
View the documentAbout the author
View the documentForeword
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View the documentAbbreviations
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close this folderSection I: Understanding and perception
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close this folderChapter 1: Introduction
View the documentObjectives of this guide
View the documentWho may use the guide
View the documentLanguage and liberation
View the documentDebate and discussion must continue
View the documentChapter 2: An integrated approach to sustainable development for persons with disability
close this folderChapter 3: The enabling environment: SAPs, development and disability
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View the documentAction guidelines
View the documentAppendix 1: Structural adjustment programme (SAP) - The experience of Zambia
close this folderChapter 4: Community-based rehabilitation
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View the documentPractices in relation to the PWDs
View the documentWhat is CBR?
View the documentCase studies
View the documentA general assessment of CBR: Possibilities and limitations
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close this folderSection II: Building economic self-reliance
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close this folderChapter 5: Building economic self-reliance
View the documentThe importance of self-reliance
View the documentEmployment options for PWDs
View the documentGroup versus individually designed and managed IGPs
View the documentIGPs at the crossroads of gender and class
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close this folderChapter 6: Income generating project planning
View the documentThe importance of planning
View the documentThe experience of a clothing manufacturing project run by a PWD organisation
View the documentOther lessons to learn from other experiences
View the documentRecommendations of the entebbe workshop
View the documentWhat is involved in successful planning
View the documentWhat kind of information is needed for planning?
View the documentWhat do we do with all this information?
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close this folderChapter 7: Implementation and resource mobilisation
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View the documentSustainability
View the documentResource mobilisation
View the documentRunning an enterprise
View the documentSome case studies of projects run by PWDs
View the documentAction guidelines
View the documentAppendix 1: Revolving loan scheme (RLS)
View the documentAppendix 2: The Entebbe workshop resolution con RLS
close this folderChapter 8: Monitoring and evaluation: Measuring the success of IGPs
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View the documentMonitoring
View the documentEvaluation
View the documentMethodology of monitoring and evaluation
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close this folderChapter 9: Capacity building: Skills training and institution building
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View the documentEmpowerment
View the documentThe pedagogy of disability training
View the documentWomen with disabilities and capacity building for IGPs
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close this folderSection III: Lobbying, networking and building alliances
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close this folderChapter 10: Strategies for lobbying, networking and building alliances
View the documentPWDs are their own principal change agents
View the documentLobbying, advocacy and networking
View the documentBroad alliances
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close this folderNotes and references
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View the documentADF board of directors

Appendix 2: The Entebbe workshop resolution con RLS

The issue of Revolving Loan Scheme was discussed in one of the working groups of the Entebbe Workshop, which, in its plenary session, adopted the following resolution:

Funding partners should accord priority to projects involving revolving loan schemes. Organisations of PWDs in Africa should plan and secure resources for revolving loan schemes to provide the following services and facilities:

· 100% loan financing for projects of both individuals and groups of PWDs.

· Training through existing NGO networks of PWD entrepreneurs in business planning, management and providing of outreach business, monitoring, counselling and support services.

· Sensitisation of mainstream organisations in order to reach PWDs in rural and urban centres in each country.

· Promote publicity of the revolving loan scheme to the wider society.

· The revolving loan should be managed through an appropriate financial institution that will be responsible for the processing, approval and monitoring of financial projects.

· The revolving loan schemes should be uniquely designed in line with political and economic cercumstances of each country; but should subscribe to the following general principles:

A multi-disciplinary board of directors with representatives of PWDs should be elected by the promoting agencies to run the affairs for the schemes.

A negotiated interest rate on loans and an agreed grace period based on the gestation period of the project should be agreed upon by the partners involved.

A reasonable repayment period in light of the nature of the project, size of the loan and other considerations should be incorporated in the contract agreement.

Clear logistical plans to enable potential beneficiaries to get speedy access to information and loan procedures should be part and parcel of the revolving loan strategy.

Clear sustainability plan linked to investment plan for the loan guarantee fund should be put in place right from the beginning.

· This workshop recommends that agencies such as ADF, NGOs and UNDP should incorporate a deliberate policy within their funding and technical assistance policies focusing on revolving loan schemes.

· For higher levels of funding, groups should approach financial institutions.

As can be seen, it is an ambitious vision. It may be too ambitious. The proposed RLS is not just a national scheme but a multinational (or pan-African) one to cater specifically for the PWDs. It seeks to direct the RLS to provide 100% loans to the beneficiaries (both individuals and groups). Beyond its usual financing function, it also mandates the RLS to provide training, business planning, management, outreach business service, monitoring, counselling and support services.

There is no reason why this vision should not be pursued. However, it might add weight if the participating organizations are prepared to pledge some of their own savings into the pool, besides seeking soft funds from donor organizations. This way they will put some of their own assets at stake, and thus be forced to take a direct interest in ensuring its success.