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By Joseph Malinga Ms Filder Amony, 26, a mother of one runs a small business of fish at Amuru Town Council main market, in Amuru district, northern Uganda. Under a makeshift shelter, she sits as she waits to attend to her clients.  Amony is physically disabled.

She became disabled during her school days when one of the student push her off a gallery and fractured her boll and socket joint. Since the accident, Amony has been struggling to live independently. She is not supposed to walk for long distance or engage herself in heavy tasks such as carrying Jeri-cans of water.

She literally had to depend on her husband Mr Denis Atine, a builder who most times is busy doing his work. Whenever her husband is out of home she depends on other people whom she has to pay. Without clear source of income Amony suffers because she would have no one to support her.  The situation, however, appears different. Amony says she is able to meet her needs more with minimal support from her husband.

“Life was really very hard initially because I was not able to do hard work. I was not even able to treat my self-following an accident that damaged my ball and socket joint. After an operation doctors had told me not involve myself in hard labour so I would have problems supporting myself. I am happy things I have changed,” she said with lots of smiles.

Amony said her life has had a sudden change following her involvement with NUDIPU livelihood project funded by Disabled Peoples Organisation Denmark. She said NUDIPU mobilised her and other PWDs into a group and trained them on savings and credit management.

The skills, she says have greatly helped improve her life. Upon training she started a fish business with shs 150,000. The business has since grown. On a good days she earns shs 40,000, but spends about shs 10,000 per day to meet the domestic needs. Apparently, her husband has no job meaning that Amony has to foot all the bills.

Amony is happy, though to foot her bills, especially that she is a member of Rubangamatwero savings group. As a member she is able to save and borrow. “I save with the group between shs 2000-10000 per week. I have also opened a bank account where I some other money. I have even been able to borrow four times.  The first time, I got shs 30,000, the second time, I got shs 60,000, the third time I got shs 80,000 and then recently I got shs 120,000. I actually plan to get shs 500,000 because I just completed paying back my loan, “she said.

According to Amony, borrowing from the group is better than borrowing from the formal banks. While the banks require collateral security before one can access a loan, all she needs in her group is regularly attending group meetings as well as save.   


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