Cash transfer

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Cash transfer programmes (CTP) are increasingly used by states and humanitarian actors to address basic immediate needs during an emergency response, such as food and non-food items, shelter, or livelihood, and building up resilience. Cash transfers give person more choice and dignity using local markets and service providers.

Understanding the barriers persons with disabilities face, both men and women, is key to ensure inclusive cash transfer. Barriers are not only environmental or direct physical obstacles that block access or prevent people's mobility. Attitudinal barriers, like social stigma in the community or the unwillingness or inexperience of field staff to work with persons with disabilities, can create just as much of a challenge for someone to access and use cash freely and safely. Communication barriers may prevent person with disabilities from getting essential information and programmatic barriers may limit their benefit from cash transfers.

Tips to make your cash transfer programmes more inclusive:

  • During needs assessment make sure women, men, girls and boys with disabilities are identified and consulted and ensure their participation.
  • Heads of households who have a disability should equally access and use cash distribution points, ATMs and other PoS terminals, or sellers and providers included in vouchers schemes);
  • Some persons with disabilities will spend more money on transportation or personal support to be able to access cash transfers, and might also have additional expenses for basic medical needs. This has to be included when planning a cash transfer program;
  • Include criteria on accessibility wherever feasible when making tender for financial service providers.

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