A participant highlighted the skepticism expressed by other women when she wanted to join an informal thrift and contribution scheme as they expressed the fear that she may not be able to carry out the obligation when it comes to her turn to make her own financial contribution in the group.

High Cost of Transportation: The higher cost of moving from place to place by persons with disabilities, especially the physically challenged when compared to those of other people who do not have disabilities was also identified as a key financial burden.

THE DESIRE FOR CHANGE AND PROPOSED SOLUTIONS

Despite these significant struggles, the participants expressed an unwavering determination to create a better future for themselves by expressing the willingness and determination to live above their disability. They expressed their desire for:

Fair Opportunities and Societal Inclusion: They emphasized their desire to be fully accepted and integrated into all aspects of society, not as objects of pity, but as active contributors. They highlighted the need for equal access to employment, education, and social spaces without discrimination. Many shared personal experiences of being overlooked for jobs or business opportunities simply because of their disabilities. They stressed that inclusion should not be reserved for non-disabled persons alone but should ensure that everyone meaningfully participates in decision-making processes, leadership roles, and community activities.

Encouragement and Recognition: Rather than receiving sympathy or token gestures of support, the women expressed a strong need for genuine encouragement and acknowledgment of their skills, ambitions, and contributions and emphasized that emotional support should be accompanied by practical actions such as mentorship, capacity-building programs, and networking opportunities. Many showed a keen interest in improving their skills by undergoing vocational training and expanding their business ventures which they often face challenges such as lack of funding, inadequate access to resources and doubts by members of their communities about their capabilities. They urged stakeholders, including government agencies, NGOs, and the private sector, to provide structured support systems that empower them to reach their full potential.

SUGGESTIONS BY PLAN FOUNDATION STAFF DURING THE ASSESSMENT

Formation of a Saving and Internal Lending Community: During the meeting, it was suggested that women with special needs should establish savings and internal lending communities to enhance their financial stability and build a strong financial support network.
This would serve as a platform for pooling resources, sharing skills, and accessing financial opportunities such as grants, microloans, or collaborative business ventures. By working together, members could negotiate better market conditions, secure bulk purchasing advantages, and develop sustainable economic initiatives that benefit everyone involved.
Beyond financial empowerment, the lending community would also foster peer support, providing a space for members to exchange ideas, mentor younger women, and advocate for policies that promote their social and economic well-being. Through this they will create a more inclusive and self-sufficient community where women with special needs can thrive.