UNAPD gets new project

UNAPD is set to implement a three-year Membership Empowerment Project after her partners approved the  proposal.

The partners to the project are Danish Handcap Forbund (DHF), Danish Brain Injury Association (DBIA) and the Disabled Sports Organisation Denmark (DSOD).

The Membership Empowerment project seeks to improve accessibility in schools, improve members’ economic livelihood and promote  participation of PWDs in social activities like sports.

It was noted that inaccessible school facilities is one of the major reasons why many children with disabilities don’t go to school or drop out . Therefore UNAPD seeks to address this challenge by advocating for improved accessibility in schools.

UNAPD will also promote ways of improving her members’ economic and social living conditions.

The project also seeks to promote disability sports and UNAPD will support members to form many sports teams and organise various disability sports competitions.

UNAPD was inspired to promote sports countrywide following success of many members who are playing for national teams like sitting volleyball, sit ball, cricket, table tennis, weight lifting and swimming.

It will be implemented in 12 districts that are yet to be selected. Three districts will be chosen from each of the four regions of Uganda.

PWDs recount VSLA sucess stories

GRACE MUNGURIEK is a mother of two: a thirteen-year-old daughter and a seven-year-old boy. She has been in VSLA for over three years. She has received and paid back several loans. She belongs to Cancewa group in Nebbi Town Council. The name of her group Cancewa means Poverty Awakened Me! She says no body can persuade her to quit her group.

“Before I joined VSLA, I was struggling to sell vegetables. I borrowed money and I moved on to sell silver fish, charcoal and ground nuts. I am happy because I make more money and I have been able to raise my two children. I meet all their needs and are both going to school.”

JEMA AYIYOWROTH is another hardworking and enterprising woman with disability. She does not want to waste any time. Before interviewing her for this story, she pleaded: CAN YOU TALK TO ME WHILE I GO ON WITH MY BUSINESS. I DON’T WANT TO LOSE ANY TIME!

She has borrowed and successfully paid back 10 times.  She last borrowed 250,000 near the end of 2010. She belongs to Binibil group also in Nebbi Town Council. Binibil means Come and Taste, apparently referring to tasting the sweetness of VSLA.  She says VSLA is her saviour.

“Jema is a mother of one boy Marvaras Mungolong who studies at Achara Primary School. She meets all her and her son’s needs like rent, feeding, clothing and paying school dues. Her son had been chased away from school for lack of a school uniform and she said she was going to buy it because she had the money.   She likes her group very much and does not think of quitting it because of the many benefits.

” I have just relocated to this place. Before, I was working from the market – selling silver fish but the taxes were too much. I recently borrowed money and started to bake and sell pancakes in addition to selling silver fish. I make much more profits in my new place and I don’t think of relocating unless when I am going for a bigger business. I wish to operate a kiosk in future “.

OLARKAR YOKINO: Olarker Yokino’s group Mer Pamungu in Nebbi subcounty is only three months old having been formed in 2011. He was attracted to join the group by his wife.

“My wife belongs to another group. I got so many benefits out of my wife’s savings and I also decided to join a similar group. I have not met any challenges in this group. Our group is new but I have been able to get a loan and expand my business”. Yokino is a fish monger. He also deals in buying and selling beans. He used the money to expand his businesses”.

GLADYS OYIKI is able bodied and owns a canoe used for fishing on River Nile. She makes a lot of money in her business and she is paying tuition fees for her son at Makerere University. She also has a grandson in senior six. She has been in the group for 5  years and said she would not have achieved much if it was not because of VSLA.

NGAMITA KUTANSIA has a physical disability and moves with the aid of a walking stick. But this did not deter fellow members to entrust her with the group’s money. She is their treasurer. She a mother of one child of seven years and she is able to look after him through her business of selling ground nuts. The group members have faith in God and are inspired by the name of their group, Mungu Bitimo. It means God will do everything.

BEATRICE AYERANGO was attracted to the group after seeing fellow women progressing because of their groups. She joined the group only two moths before and has so far got two loans of 20,000 and 15,000 shillings respectively. She buys and sells dry cassava.

Beatrice and Yokino’s group has nine persons with disabilities out of 30 members.

UNAPD members begin to benefit from VSLA

In 2009 Uganda National Action on Physical Disability implemented activities in Nebbi district aimed at mainstreaming persons with disabilities in the Village Savings and Loan Associations (VSLA). HAMAD LUBWAMA reports how VSLA has transformed people’s lives. For more information about VSLA, refer to the March-April, 2011 Edition of UNAPD newsletter in the newsletter section on the upper righthand side of the website’s front page.

What is VSLA?

VSLA are groups formed at village level for the purpose of improving members’ economic and social livelihood through saving and borrowing. Each group comprises of between 15-30 members of fairy the same financial status.
They choose an executive committee headed by a chairperson, secretary and a treasurer. Having a business is one of the major conditions to join a VSLA group. It also works on the principle of self selection where members freely join groups of their choice.

When the groups form, they go through seven trainings offered by a Community Based Trainer. Each member pays 1,000 for all the trainings. When they are ready to start saving, they buy a Cash Box at a cost of 75,000 from West Nile Private Sector.
Controlling fraud.

To avoid cases of cheating and robbery, they make a metallic Cash Box complete with three padlocks. The keys to each padlock are kept by three different designated group members and they all have to be present to open the Cash Box. The treasurer keeps only the Cash Box but not any of the keys.

Simple procedures

Each group meets once a week and each member is supposed to save a stipulated amount of money. Some groups save 500, 1000, or even 5000 per member depending on their financial status. They come with it at the meeting. When it accumulates, they start borrowing. Each member has a passbook where they record their weekly savings in form of stars.
Each star represents a fixed amount of money each group member saves per week. At any time, a member counts his/her number of stars to determine how much they have so far saved. Even the illiterate can do this. All members share their accumulated savings and interest at the end of each year.

Small loans, big changes

Most members borrow small loans as little as 10,000 but realize big changes in their petty businesses. The most common businesses are selling fish, cassava, beans, and rearing goats. Repayment of the loan and interest of between 5 to 20 per cent is made per week for a period not exceeding three months.
Each group has two money counters who receive money from members.
Apart from the mandatory savings, each group member contributes to the social fund. Members borrow this fund to solve emergence needs and social problems like sickness, paying school fees, buying household items, among others. Each member pays any amount of money he/she wishes at their convenience.