They lack motivation and often expect charity grants rather than loans. The non-disabled people do not understand the earning potential of disabled persons, resulting in their exclusion. Family members of disabled persons sometimes utilise the loans for their own purposes rather than for the disabled person's income generation. Disabled people find it difficult to access the limited resources available for micro-credit programmes, because of the competition from the people who are not disabled. Traditional attitudes and stigma prevent disabled persons to be included in the group activities including self-help groups.
Disabled people tend to default repayment more often than people without disability.
Loans given to people who are already running an enterprise tend to have better repayment chances than loans given to those who start an enterprise for the first time, and disabled people in general are first time entrepreneurs. Women with disability tend to find it more difficult to access loans than men with disability, because of their double handicap. With a certain degree of disability specific planning, savings and credit schemes can be as effectively used for economic development of disabled persons as of other non-disabled people. However, in the process the disabled persons and their families should not be over-exposed to the schemes, to become permanently indebted to it, to the exclusion of other aspects of their development. Micro-credit schemes have been pioneered by Bangladesh, and this country has done astonishingly well with the Grameen Bank founded in 1976.