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The Livelihood module is made up of the following elements.
Use your mouse or keyboard to expand each of the headings below.
Skills are essential for work. There are four main types of skill:
CBR needs to identify and promote opportunities for individuals with disabilities to learn all four types of skill.
Skills can be acquired through traditional home-based activities and education, mainstream vocational training centres, and apprenticeships with members of the community.
Self-employment provides the main opportunity for people with disabilities in low-income countries to earn a livelihood. Self-employment activities involve production, providing a service, or trading.
Self-employment provides income for large numbers of women and men with disabilities, and a chance to contribute economically to their families and communities. CBR can support people with disabilities in becoming self-employed by starting or expanding their own income-generating activities and small businesses.
Wage employment means any salaried or paid job under contract (written or not) to another person, organization or enterprise. Wage employment is more likely to be found in the formal economy, but may also occur in the informal economy.
People with disabilities face many barriers to finding decent wage employment. But there have been encouraging developments in many businesses, which have proactively sought to employ people with disabilities. CBR can help overcome or reduce barriers to wage employment.
People with disabilities have the same needs for financial services as anybody else, both to start and develop businesses and to manage their lives generally.
Microcredit refers specifically to loans and the credit needs of clients, while microfinance covers a broader range of financial services such as savings, insurance, housing loans and remittance transfers.
Important at the community level is the self-help group often known as a rotating savings and credit association (ROSCA) (some countries have a different name, but a similar approach), where a group of people pay small amounts into a common “pot” every week or month on a voluntary basis, and then distribute the lump-sum as a loan or grant to one member at a time.
Social protection measures are intended to provide a safety net to protect people against extreme poverty and loss or lack of income through illness, disability or old age.
People with disabilities need to be included in existing social assistance programmes.
Social protection measures include official provision by the government and large organizations, and informal measures at the community level.
