Exploring Microfinance Clients with Disabilities: A Case Study of an Ecuadorian Microbank
基于厄瓜多尔一家小额信贷机构的独特数据，比较了残障与非残障客户的特征，发现残障客户多为男性、年龄较大、较少有伴侣和子女，且还款表现存在差异，说明需为残障人士调整贷款产品。
Using a unique sample from an Ecuadorian microfinance institution that has focused on increasing its outreach to disabled clients, we present a comparative analysis of the characteristics of disabled versus non-disabled clients. The study shows that disabled clients are more often male, are less likely to be living with a partner, have fewer children, and are older compared to their non-disabled counterparts. Moreover, we observe differences in repayment statistics between clients with and without disabilities, as well as differences within the disability sample. Our findings illustrate the importance of adapting microloans to the special needs of persons with disabilities.