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AN ASSESSMENT OF SELECTION CRITERIA FOR BENEFICIARIES OF THE 
DISABILITY FUND 
BY 
AWUKU ANITA ASARE 
(10342296) 
THIS DISSERTATION IS SUBMITTED TO THE UNIVERSITY OF GHANA, LEGON 
 
IN PARTIAL FULFILMENT OF THE REQUIREMENT FOR THE AWARD OF  
MA IN RESEARCH AND PUBLIC POLICY DEGREE 
 
DECEMBER 2021 
 
 
 
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Declaration  
I, Anita Asare Awuku hereby declare that except for references to other scholarly works which 
have been duly acknowledged, this dissertation is the result of my own research carried out at the 
Centre for Social Policy Studies of the University of Ghana under the supervision of Dr. Kwadwo-
Opoku. This work has not been presented in whole or part elsewhere for any other purpose. 
 
           
Anita Asare Awuku 
(Student) 
Date: 9th August, 2022 
 
 
…………………………………… 
Dr. Kwadwo-Opoku 
(Supervisor) 
Date: 9th August 2022 
 
 
 
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Abstract 
The 3% District Assemblies’ Common Fund (DACF) for Persons with Disabilities (PWD), also 
referred as the Disability Fund was introduced to minimize poverty among all PWDs particularly, 
those outside the formal sector of employment, and enhance their social image through dignified 
labour. A Disability Fund Management Committee (DFMC) in every Metropolitan, Municipal and 
District Assembly (MMDA) is charged with the vetting and approval of received applications; 
monitoring and supervising utilization of the fund; sensitizing all relevant stakeholders at the 
district level and reporting on the fund. This study investigated needs presented by PWDs to 
DFMCs for funding and factors which guide the selection of beneficiaries, specifically in Shai 
Osudoku district, La Dade-kotopon municipality and Tema metropolis between 2018 and 2020. 
The study’s objectives were achieved through the analysis of secondary data on applicants’ forms 
and Key Informant Interviews (KII) of selected DFMCs. Based on years for which data was 
available, the study’s findings indicate that the prominent need presented by PWDs was assistance 
for Income Generating Activities (IGA) followed by requests for medical assistance and 
educational/apprenticeship support. The study also showed that none of the participating MMDAs 
was able to meet the needs of all PWD applicants which necessitates the selection of fund 
beneficiaries using the following factors; most vulnerable applicant, first time beneficiaries and 
completeness of applications. The DFMCs indicated the allocation of meagre funds among 
numerous applicants and the delayed disbursement of the fund from central government as 
challenges with the selection of beneficiaries. Among others, recommendations are made for 
Central Government to ensure timely disbursement of the fund to MMDAs; the National Council 
on Persons with Disabilities (NCPD) to advocate increased percentage of the DACF allocation for 
the fund and adopt measures for appropriate data management especially on fund applicants.  
 
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Dedication 
This work is dedicated to God Almighty for His infinite providence throughout my course and to 
the Asare Awuku family for the immense support.  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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Acknowledgement  
My heartfelt gratitude goes to Dr. Kwadwo-Opoku for working tirelessly with me to complete this 
work. In addition, I wish to acknowledge my parents, siblings and husband for their encouragement 
and support throughout my studies.   
Finally, I am grateful to Directors of Social Welfare and Community Development in Shai 
Osudoku District, La Dade-kotopon Municipal and Tema Metropolis and the NCPD representative 
of these districts for readily providing information to support this research work.   
 
 
 
 
 
 
 
 
 
 
 
 
 
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Table of Contents 
Declaration ....................................................................................................................................... i 
Abstract ........................................................................................................................................... ii 
Dedication ...................................................................................................................................... iii 
Acknowledgement ......................................................................................................................... iv 
Table of Contents ............................................................................................................................ v 
List of figures ................................................................................................................................. ix 
List of tables .................................................................................................................................... x 
List of Abbreviations ..................................................................................................................... xi 
Chapter One .................................................................................................................................... 1 
Introduction ..................................................................................................................................... 1 
1.1 Study Background ............................................................................................................ 1 
1.2 Problem statement ............................................................................................................ 7 
1.3 Objectives of the study ..................................................................................................... 8 
1.3.1 General objective ............................................................................................................ 8 
1.3.2 Specific objectives .......................................................................................................... 8 
1.4 Significance of the study .................................................................................................. 8 
Chapter Two.................................................................................................................................... 9 
Literature review ............................................................................................................................. 9 
Introduction ................................................................................................................................. 9 
2.1 Disability in Ghana and national-level response ................................................................... 9 
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2.1.1 Disability in Ghana ......................................................................................................... 9 
2.1.2 National-level response to disability in Ghana ............................................................. 10 
2.2 Disability-related interventions in Africa: A look at support for PWDs in Kenya ............. 11 
2.3 Theoretical framework ........................................................................................................ 13 
2.3.1 The concept of social justice ........................................................................................ 13 
2.3.2 John Rawls’ theory of social justice and the 3% disability fund for PWDs ................. 14 
2.4 Targeting for social protection interventions ...................................................................... 14 
2.5 Contribution of the disability fund to the well-being of PWDs in Ghana ........................... 16 
2.6 Selection criteria for fund beneficiaries ......................................................................... 17 
Chapter summary ...................................................................................................................... 17 
Chapter Three................................................................................................................................ 19 
Methodology ................................................................................................................................. 19 
3.0 Introduction .................................................................................................................... 19 
3.1 Research Design and approach ........................................................................................... 19 
3.2 Selection of participating districts ....................................................................................... 20 
3.3 Brief profile of study areas .................................................................................................. 21 
3.3.1 Tema Metropolis........................................................................................................... 22 
3.3.2 La Dade-kotopon Municipal ......................................................................................... 22 
3.3.3 Shai Osudoku District ................................................................................................... 23 
3.4 Study Population ................................................................................................................. 23 
3.5 Respondents’ selection process ........................................................................................... 23 
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3.6 Data collection methods ...................................................................................................... 24 
3.7 Data analysis ....................................................................................................................... 26 
3.8 Ethical considerations ......................................................................................................... 26 
3.9 Limitations of the study....................................................................................................... 26 
Chapter summary ...................................................................................................................... 27 
Chapter Four ................................................................................................................................. 28 
Data Presentation, Analyses and Discussion ................................................................................ 28 
4.0 Introduction ......................................................................................................................... 28 
4.1 Data ..................................................................................................................................... 28 
4.2 Demographic characteristics of applicants .......................................................................... 29 
4.2.1 Sex of applicants ........................................................................................................... 29 
4.2.2 Age of applicants .......................................................................................................... 31 
4.2.3 Forms of disability among applicants ........................................................................... 32 
4.3 The nature of requests presented by fund applicants .......................................................... 34 
4.4 Beneficiary selection process .............................................................................................. 37 
4.5 Factors which influence the selection of fund beneficiaries ............................................... 40 
4.5.1 Differences between applications and approvals .......................................................... 40 
4.6 Influencing factors for beneficiary selection ....................................................................... 46 
4.6.1 Most Vulnerable applicants .......................................................................................... 47 
4.6.2 First-time beneficiaries ................................................................................................. 48 
4.6.3 Completed application forms ........................................................................................ 49 
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4.7 Challenges with the selection of beneficiaries .................................................................... 50 
4.8 Discussion of findings ......................................................................................................... 51 
4.8.1 The nature of requests presented by PWDs .................................................................. 51 
4.8.2 Beneficiary selection .................................................................................................... 52 
Chapter summary ...................................................................................................................... 55 
Chapter 5 ....................................................................................................................................... 56 
Summary of Findings, Conclusion and Recommendations .......................................................... 56 
5.1 Introduction ......................................................................................................................... 56 
5.2 Summary ............................................................................................................................. 56 
5.3 Conclusion ........................................................................................................................... 57 
5.4 Recommendations ............................................................................................................... 57 
References ..................................................................................................................................... 61 
 
 
 
 
 
 
 
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List of figures 
Figure 1: A graphical presentation of the link between disability and poverty .............................. 2 
Figure 2: Forms of disability in Ghana (%) .................................................................................. 10 
Figure 3:  Map of existing districts in the Greater Accra region as at 2016 ................................. 21 
Figure 4: Age categorization of applicants in Tema and La Dade-kotopon (%) .......................... 32 
Figure 5: Forms of disability among applicants (%) .................................................................... 33 
Figure 6: Nature of requests presented by applicants in Shai Osudoku (%) ................................ 35 
Figure 7: Nature of requests presented by applicants in La Dade-kotopon .................................. 36 
Figure 8: Nature of requests in Tema (%) .................................................................................... 37 
Figure 9: Selection procedure for fund beneficiaries .................................................................... 38 
Figure 10: A graphical presentation of total requests, amount required by beneficiaries and 
approved amount for beneficiaries in Shai Osudoku – 2019 (GHC) ............................................ 42 
Figure 11: Distribution of fund approvals along spending areas in Shai Osudoku - 2019 ........... 43 
Figure 12: Distribution of fund approvals along spending areas in La Dade-kotopon - 2020 ..... 44 
Figure 13: A graph displaying of total requests, amount required by beneficiaries and approved 
amount for beneficiaries in Tema – 2019 and 2020 (GHC) ......................................................... 45 
 
 
 
 
 
 
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List of tables 
Table 1: Number of application forms assessed ........................................................................... 29 
Table 2: Sex disaggregation of applicants (%) ............................................................................. 29 
Table 3: District-specific sex disaggregation of applicants in participating districts between 2018 
and 2020 ........................................................................................................................................ 30 
Table 4: Age categorization of applicants (%) ............................................................................. 31 
Table 5: Forms of disability among applicants (%) ...................................................................... 33 
Table 6: Purpose of applicants’ requests ...................................................................................... 35 
Table 7: Proportion of applicants' requests and actual approvals for beneficiaries in 2019 and 
2020............................................................................................................................................... 41 
 
 
 
 
 
 
 
 
 
 
 
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List of Abbreviations 
DACF  District Assemblies’ Common Fund 
DFMC  Disability Fund Management Committee 
DSWCD Department of Social Welfare and Community Development 
GFD Ghana Federation for Disability Organizations 
KII Key Informant Interview 
LEAP Livelihood Empowerment Against Poverty 
MMDA Metropolitan, Municipal and District Assemblies 
NHIS National Health Insurance Scheme 
NCPD National Council on Persons with Disability 
NCPWD National Council for Persons with Disability (applicable to Kenya) 
PMT Proxy Means Test 
PWD  Person with Disability 
UNCRPD UN Convention on the Rights of Persons with Disabilities 
          
 
 
 
 
 
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Chapter One 
Introduction 
1.1 Study Background 
A disability is any condition of the body or mind (impairment) that makes it more difficult for the 
person with the condition to do certain activities (activity limitation) and interact with the world 
around them (participation restrictions) (Centres for Disease Control and Prevention, 2020). “In 
Ghana, persons who are unable to or are restricted in the performance of specific tasks/activities 
due to loss of function of some part of the body as a result of impairment or malformation are 
classified as PWD” (Ghana Statistical Service, 2014, p. 28). Stemming from the 
limitations/restrictions of disability on the individual – for instance, his/her inability to participate 
fully in economic activities and the extra cost (cost of assistive devices, medical care among others) 
of living, research has shown that there is a positive correlation between poverty and disability. A 
study by Mitra, Posarac & Vick (2013) revealed that disability is significantly associated with 
higher multidimensional poverty, lower educational attainment, lower employment rates and 
higher medical expenditures. Additionally, the World Health Organization (n.d) asserts that people 
with disability experience poorer health outcomes, have less access to education and work 
opportunities, and hence are more likely to live in poverty than those without a disability. The 
situation in Ghana is no different as a report by the Ghana Statistical Service (2014) on disability 
stresses that “disabled people are poorer as a group than the general population, and that people 
living in poverty are more likely than others to be disabled”. Asuman, Ackah & Agyire-Tettey 
(2020) also uncovered that 38.5% of households with PWDs are below the national poverty line 
compared to 22.6% of households without a person with disability. This link between disability 
and poverty justifies the adoption of interventions/policies to enhance the livelihoods of PWDs at 
the global, regional and national level.  
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Figure 1: A graphical presentation of the link between disability and poverty 
 
Source: Adapted from the UK Department of International Development 
(www.endthecycle.org.au) 
Figure 1 above shows a cyclical relationship between poverty and disability. In one instance, 
circumstances linked with poverty such as inadequate access to health care, education and poor 
nutrition increase susceptibility to disability. On another hand, people with disabilities are more 
likely to incur additional health care costs, denied education and other economic opportunities 
which are likely to result in poverty. 
Disability models have been instrumental to understanding causes of disability and in effect, 
society’s response towards improving the functioning of persons with disabilities. Literature on 
disability models proves some sort of ‘evolution’ overtime due to the changing perceptions of 
disability. Nevertheless, this evolution does not entirely mean the non-existence of an older model 
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of disability, it specifically means the addition of new perspectives to the causes and ways of 
addressing disability. Thus, there could be individuals or societies within the 21st century who still 
subscribe to the moral model of disability—the oldest model of disability—and hence believe that 
disability is the result of punishment for an offence to a deity.  
“The moral/religious model of disability is the oldest model of disability and is found in a number 
of religious traditions, including the Judeo-Christian tradition” (Pardeck & Murphy 2012: xvii). 
This model explains that disability is the result of a punishment for an offense to a deity by the 
PWD or a close relation (Retief, M. & Letšosa, R., 2018; Disabled World, 2019). In the Christian 
religion, a good example of this model is exhibited in John 9:1-2 of the Holy Bible where disciples 
of Jesus Christ requested to know who had sinned after they encountered a man who has been 
blind from birth, thereby, attributing the blind man’s predicament to sin. In an assessment of the 
negative impact of this model on individuals with disability and their families, Rimmerman (2013) 
refers to exclusion from social participation as a possible consequence of this model.   
From the mid-1800s onwards, the medical (or biomedical) model of disability began to gradually 
replace the moral model due to significant advances in the field of medical science (Retief, M. & 
Letšosa, R. 2018). Olkin (1999) provides defining elements of the medical model of disability as 
follows. 
Disability is seen as a medical problem that resides in the individual. It is a defect in or 
failure of a bodily system and as such is inherently abnormal and pathological. The goals 
of intervention are cure, amelioration of the physical condition to the greatest extent 
possible, and rehabilitation (i.e., the adjustment of the person with the disability to the 
condition and to the environment). Persons with Disabilities are expected to avail 
themselves of the variety of services offered to them and to spend time in the role of patient 
or learner being helped by trained professionals. (Olkin, 1999, p. 26) 
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Accordingly, the medical model of disability expects that PWDs play the ‘sick role’ properly if 
they desire to receive continued help and support from society.  
Berghs M, et al. (2016) emphasize that the social model arose from the experiences and activism 
of disabled people in the United Kingdom and the United States of America from the early 1970s. 
D’Alessio (2011) also posits that this model emerged in response to limitations of the medical 
model of disability. This model is of the view that ‘it is society which disables people with 
impairments, and therefore any meaningful solution must be directed at societal change rather than 
individual adjustment and rehabilitation” (Barnes, Mercer & Shakespeare 2010, p. 163). Barnes 
(2012) further explains that up until the late 1960s, severely disabled people did not have access 
to disability-related welfare and their only options were residential care or ‘poverty and social 
isolation in the community’. Welfare entitlements, for instance, existed only if a person had gained 
injuries through employment-related activities. Hence, early activism in the UK was linked to 
ensuring the economic welfare of PWDs. In effect, the social model is especially concerned with 
addressing the ‘barriers to participation’ experienced by PWDs because of various social and 
environmental factors in society (O’Connell, Finnerty & Egan, 2008). 
Historically, the 1980s marked the emergence of disability as a global issue. By the 1990s, 
disability was firmly on the UN agenda and began to be mentioned explicitly by conventions such 
as the International Committee on Economic, Social and Cultural Rights in 1993 and more 
specifically, the UN Convention on the Rights of Persons with Disabilities (Berghs et al., 2016 p. 
32-37). Degener (2017) also outlines the following characteristics of the human rights model to 
disability.  
• It offers a theoretical framework for disability policy that highlights the human dignity of 
PWDs 
• It encompasses civil, political, economic, social and cultural rights of PWDs 
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• It offers constructive proposals for improving the life situation of PWDs 
Thus, the human rights model to a large extent provides a basis which addresses the holistic needs 
of PWDs. Mention can also be made of the Protocol to the African Charter on Human and Peoples’ 
Rights on the Rights of Persons with Disabilities in Africa and target 10.2 of Agenda 2030 – stated 
as “by 2030, empower and promote the social, economic and political inclusion of all, irrespective 
of age, sex, disability, race, ethnicity, origin, religion or economic or other status” United Nations 
(n.d.) – as emanating from the human rights model of disability.  
The District Assemblies Common Fund Act (Act 455) of Ghana mandates Parliament to annually 
allocate not less than five percent of the country’s total revenues to District Assemblies for 
development, in tandem with clause (2) of article 252 of the 1992 constitution. The allocation to 
Metropolitan, Municipal and District Assemblies (MMDAs) commenced in 1994. Since 2008, the 
DACF has constituted 7.5% of national revenue (“District Assemblies’ Common Fund Increased,” 
2007).  
The DACF is allocated between MMDAs using a formula which is approved by parliament on 
annual basis. The 2020 formular for sharing the DACF outlines basic needs, service pressure 
and equality as factors which determined the quantum of DACF for MMDAs. The ‘basic needs’ 
component comprise the availability of health and education services and water and tarred road 
coverage. Under this factor, MMDAs with more of these facilities receive less allocation to ensure 
equity. The ‘service pressure’ determinant is meant to cater for the pressure of rural/urban 
migration or population growth on facilities of existing MMDAs by aiding the maintenance of 
these facilities. The ‘equality’ factor is simply the equal distribution of the fund among MMDAs 
prior to application of the other two remaining factors. The above factors show that there are 
disparities in amounts received by MMDAs as their share of the DACF.   
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Since 2005, a percentage of MMDAs allocation has been earmarked for PWD, popularly known 
as the disability fund with the aim of minimizing poverty among all PWDs particularly, those 
outside the formal sector of employment, and enhancing their social image through dignified 
labour (NCPD/GFD, 2010 p. 2). Between 2005 and 2016, 2% of the MMDAs DACF made up the 
disability fund. This percentage quota for PWDs was reviewed upward to 3% from 2017 to date.  
This fund is managed at the Metropolitan, Municipal and District Assembly (MMDA) level by the 
Department of Social Welfare and Community Development. Fund allocations are deducted at 
source and deposited into a separate account of MMDAs for its specified use.  A Disability Fund 
Management Committee (DFMC), comprising district representative of the National Council on 
Persons with Disability (NCPD), Chairperson of the Social services sub-committee, Director of 
the Department of Social Welfare; District representative of the Ghana Federation of Disability 
Organizations (GFD) and a co-opted technical member(s) is charged with the vetting and approval 
of applications received from PWDs and OPWDs; monitoring and supervising utilization of the 
fund; sensitizing all relevant stakeholders at the district level; and the presentation of quarterly 
report on the management of the fund to District Assembly and district NCPD representative 
(NCPD/GFD, 2010). This implies that the DFMC plays a key role in determining who benefits 
from the fund and its associated impact on their livelihoods.  
Guideline for disbursement and management of the disability fund (NCPD/GFD, 2010) outlines 
the following areas for spending. 
1. Advocacy/awareness raising on the rights and responsibilities of PWDs 
2. Strengthening of Organizations of Persons with Disabilities (OPWDs)/Organizational 
development).  
3. Training in employable skills/apprenticeship.  
4. Income generation activities (input/working capital).  
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5. Educational support for children, students and trainees with disability.  
6. Provision of technical aids, assistive devices, equipment and registration of NHIS.  
Regarding disbursements, a circular disseminated to districts by the NCPD requires that 75% of 
the fund is allocated for IGA purposes; 10% for medical/assistive devices; 10% for educational 
support and 5% as administrative cost which includes monitoring and sitting allowances of 
committees.  
 
1.2 Problem statement 
A thorough literature search on the disability fund DACF reveals a significant focus on its impacts 
and contributions to the well-being of beneficiaries, largely neglecting influencing factors for the 
selection of beneficiaries and the nature of requests presented by PWDs. In terms of impact and 
contributions to the well-being of PWDs, for instance, the fund has been proven to positively 
contribute to the livelihoods of PWDs. Studies by Opoku et al, (2018); Ofosu, (2017); Adjei-
Domfeh, (2015); Agboga, (2015) revealed that transfers to PWDs resulted in easy access to capital 
for business, payment of school fees and the acquisition of assistive devices. Again, an article by 
Ashiabi & Avea, (2020) on transparency and selection criteria fund beneficiaries in the Upper East 
region showed that the provision of assistive devices and purchase of equipment for income 
generating activities were influenced by district political heads for members of their political 
parties who have a disability. The authors further recommended that the study should be replicated 
in other MMDAs considering the poverty rate in the region which translates into numerous 
applications. Moreover, guideline for disbursement and management of the fund is silent on issues 
of qualification aside spending areas, frequency of access among others. This indicates the 
likelihood of DFMCs of different MMDAs to utilize different selection criteria in the selection of 
fund beneficiaries.  
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Again, to the best of my knowledge, I am yet to come across a study which investigates the extent 
to which applications presented by applicants of the fund fall within the prescribed areas of funding 
or otherwise. 
This study is therefore essential to generating evidence on what informs the selection of fund 
beneficiaries and the nature of requests presented by PWDs in participating districts to improve 
knowledge around the fund. 
1.3 Objectives of the study 
1.3.1 General objective 
The study seeks to determine the nature of applicants’ requests between 2016 and 2020 and 
examine factors which influence the selection of fund beneficiaries.  
 
1.3.2 Specific objectives 
1. To assess the nature of requests presented by PWDs 
2. To determine factors which influence the selection of beneficiaries 
1.4 Significance of the study 
This study is crucial to unearthing factors which influence the selection of fund beneficiaries and 
the nature of needs presented to DFMCs for support vis-a-vis listed areas in the disbursement and 
management guideline. Again, it will serve as a precedent for further research on selection criteria 
for fund beneficiaries as well as the needs of PWDs. Ultimately, findings of the study will 
supplement knowledge on the fund in relation to the aforementioned areas and inform policy 
decisions around the fund.  
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Chapter Two 
Literature review 
Introduction 
This chapter will highlight the number of Persons with disabilities in Ghana, policies to enhance 
their wellbeing and a suitable theoretical framework for the study. 
2.1 Disability in Ghana and national-level response 
2.1.1 Disability in Ghana 
Disability report of the 2010 Population and Housing Census estimates that 3 percent (737,743) of 
Ghanaians are with a disability. Out of this percentage, females with disability comprise 52.5% 
(387,647), compared with males, who constitute 47.5% (350,096). Additionally, approximately 
38% (282,892) of these persons have multiple disabilities. Regarding types or forms disability, 
sight or visual impairment constitutes 40.1%, persons with hearing impairment comprised 15%, 
whereas speech, physical, intellectual, emotional and other forms of disabilities constituted 14%, 
18%, 15%, 17% and 10% respectively. The various forms of disability are displayed in figure 2 
below. 
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Figure 2: Forms of disability in Ghana (%) 
45.0
40.0
40.1
35.0
30.0
25.0
20.0
18.4 18.6
15.0
15.0 15.2
13.7
10.0
10.4
5.0
0.0
sight hearing speech physical intellectual emotional other
 
Source: Ghana Statistical Service 2014 
2.1.2 National-level response to disability in Ghana 
Possibly stemming from the human rights perspective, several legal instruments have been put in 
place to safeguard the rights of PWDs. These include the 1992 Constitution, the Children’s Act of 
1998, the National Disability Policy of 2000, the Labour Act of 2003 and the Disability Act of 
2006. Moreover, on 21st August 2012, the United Nations Office of Legal Affairs announced 
Ghana’s ratification of the United Nations Convention on the Rights of Persons with Disabilities, 
over 5 years after signing the convention in March 2007 (Human Rights Watch [HRW], 2012). 
Article 29 (subsections 1 to 8) of the country’s 1992 constitution outlines the rights of persons 
with disabilities to include non-differential treatment, protection from exploitation, access to 
special incentives for PWDs engaged in business and the enactment of laws necessary to ensure 
the enforcement of this article’s provisions. Additionally, sections 3 and 10 of the Children’s Act 
(Act 560) highlights non-discrimination against a child on the ground of disability and the 
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treatment of children with disability respectively. Moreover, goal of the National Disability Policy, 
which was adopted in 2000 is to ensure that by 2020 PWDs actively participate in the national 
development process through equalization of opportunities that will improve their quality of life 
(Ghana Statistical Service, 2010). The National Disability Policy paved the way for passage of the 
Disability Act  which in my opinion is a more direct act focused on the welfare of PWDs compared 
with the aforementioned legislations. The Disability Act has eight major sections aimed at 
promoting the course of PWDs. These sections focus on the general rights of PWD, employment, 
education, transportation, health., miscellaneous provisions and establishment of the National 
Council for Disability and its administrative and financial provisions. 
Interventions introduced in Ghana to enhance the livelihood of PWDs include the Livelihood 
Empowerment Against Poverty (LEAP) programme, the Disability Fund and the employment of 
50% PWDs as booth workers (Lartey, 2017).  The LEAP is a cash transfer programme for 
vulnerable groups including persons with severe disabilities without productive capacity. All 
beneficiaries of the LEAP, including PWDs must have undergone a Proxy Means Test (PMT) to 
establish the existence of poverty/vulnerability. Thus, a PWD beneficiary of the LEAP must be 
severely disabled without productive capacity and pass the PMT as well. Under this programme, 
beneficiary households receive GHC 64 every two months.  
2.2 Disability-related interventions in Africa: A look at support for PWDs in Kenya 
The Kenyan and Ghanaian Governments have similar interventions aimed at enhancing the 
livelihoods of PWDs. Like the provision for persons with severe disabilities without productive 
capacity under the LEAP programme in Ghana, the National Safety Net Programme - Cash 
Transfer for Persons with Severe Disabilities (PWSD CT) - is available for PWDs in Kenya. In a 
bid to enhance the capacities of care givers, improve the livelihoods of persons with severe 
disabilities and reduce negative impact of disability on households, the programme targets adults 
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and children with severe disabilities who require full time support of a caregiver (Kenya Disability 
Resource, n.d.).  
In addition, spending areas of the Kenyan government’s disability services, benefits, and grants 
are provided through the National Council for Persons with Disabilities (NCPWD) are highly 
comparable with expenditure areas of the disability fund in Ghana. PWDs in Kenya who wish to 
benefit from the fund must first register with the NCPWD. The Kenyan NCPWD provides several 
services including economic empowerment grants to community and self-help groups of PWDs 
to enhance self-sufficiency in income generating activities among others; educational assistance 
which covers up to 75% of course fees whereas applicants are expected to cover 25%. Applicants 
in formal employment are required to cover 50% of fees while the fund covers up to 50%. In 
exceptional circumstances the fund provides 100% of fees when applicants demonstrate extreme 
poverty. Infrastructure and equipment grants are provided to enhance the maintenance and 
growth of organizations which provide social services for persons with disabilities. Specifically, 
these infrastructure and equipment are aimed at improving access to these institutions by PWDs. 
The Albinism Support Program aims to cushion persons with albinism from the effects of 
harmful sun rays, which leads to skin cancer through the provision of lotions, lip balms, and other 
services for all Persons with Albinism. The NCPWD also has legal advisory services which 
provides professional legal services to PWDs, Ministries and departments and the public as well 
as for connected purposes. Moreover, a ‘Tools of Trade’ empowerment programme is available 
for youth with disabilities to provide them with employment and wealth creation opportunities in 
sectors such as catering, automotive engineering, agriculture and beauty among others. 
Beneficiaries of this intervention are provided start-up tool kits to start their own businesses. In 
the 2019/2020 financial year for instance, the NCPWD provided education support to 4032 
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applicants, economic empowerment for 290 PWD groups, assistive devices for 3544 persons, tools 
of trade for 254 persons and infrastructure and equipment for 21 institutions.  
2.3 Theoretical framework 
2.3.1 The concept of social justice 
The United Nations Department of Economic and Social Affairs recognizes that social justice is 
an underlying principle for peaceful and prosperous coexistence within and among nations (United 
Nations, n.d). Again, the department emphasizes that the principles of social justice are advanced 
when barriers faced by people due to gender, age, race, ethnicity, religion, culture or disability are 
removed.  Khechen (2013), recognizes four (4) principles of social justice from John Rawls and 
Nancy Fraser’s perspectives on social justice as follows: equality, equity, rights and participation. 
The principle of equality implies that all individuals are entitled to benefit from public goods and 
resources. The equity principle of recognizes that the concept of fairness as equal or uniform 
distribution is not always the case due to existing differences or situations (such as disability, age 
and geographical location among others) that prevent or reduce the ability of certain individuals 
or groups to gain equal access to public goods, resources and opportunities. Hence, equitable 
treatment ensures that people would get a ‘well-deserved’ treatment based on their actual 
circumstances, which takes into consideration their limitations. Rights usually comprise legal 
rights such as the right to receive payment for service rendered according to agreed terms; moral 
rights, which include people’s basic human rights and liberties such as the right to education 
(Smith, 1994; Lee & Smith, 2004). Participation in the arena of social justice is centred on 
involving people in decisions that concern them. This surpasses engaging them in decisions on 
service delivery and ensuring their full participation in political and cultural life. Participation is 
geared towards achieving better distributive outcomes and strengthening democracy. Embedded 
in the concept of social justice is ‘distributive justice’ which is defined as ‘the justice that is 
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concerned with the apportionment of privileges, duties, and goods in consonance with the merits 
of the individual and in the best interest of society’ (Merriam-Webster Dictionary, n.d.).  
2.3.2 John Rawls’ theory of social justice and the 3% disability fund for PWDs 
John Rawls’ theory of social justice is adopted in this study. Rawls’ theory of social justice 
originates from the concern to achieve a socially just distribution of “primary social goods”. He 
describes social goods as “things that every rational man is presumed to want”. Subsequently, he 
categorizes them broadly into rights, liberties, opportunities, income, wealth and self-respect. His 
book, A Theory of Justice associates justice with fairness (“justice as fairness”) and explains that 
“the primary subject of justice is the basic structure of society, or more exactly, the way in which 
the major social institutions distribute fundamental rights and duties and determine the division of 
advantages from social cooperation” (Rawls, 1971, p. 4). Again, Rawls refers major institutions as 
“the political constitution and the principal economic and social arrangements”.  
For Rawls’, the concept of distributive justice is based on the concern to compensate individuals 
for their misfortunes and modify the distribution of goods and evils in society.  
In tandem with the above exposition on social justice, the 3% DACF for PWDs can be classified 
as a form of social justice in that, it recognizes that PWDs are disadvantaged in a way and therefore 
provides some resources at the MMDA level to somewhat meet their needs along the prescribed 
spending areas. Nevertheless, due to scarce resources, not all desiring PWDs benefit from the fund 
in their year of application (Adjei-Domfeh, 2015; Ofosu, 2017). In these instances, DFMCs select 
actual beneficiaries out of applicants in line with available funds which is quite like targeting.  
2.4 Targeting for social protection interventions 
“Targeting refers to any mechanism to identify eligible individuals, households and groups, for 
the purposes of transferring resources or preferential access to social services” (Devereux et al., 
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2015, p. 7). Popular targeting mechanisms include means testing, proxy means tests, categorical, 
geographic, community-based, and self-selection or self-targeting (Devereux et al., 2015, p. 3). 
The leading rationale for targeting “is to direct programmes to those who will most benefit” 
(White, 2017, p. 145). In addition, targeting may have other aims such as: to maximise poverty 
reduction; to ensure no one is ‘left behind’; to contain the costs of provision; and to make the most 
efficient use of resources when faced with budget limits; or for political gains (Devereux et al., 
2015, p. 7–8; Kidd & Athias, 2019, p. ii). Targeting under the 3% DACF for PWDs can be said to 
be based on ‘self-selection’ as applicants present applications on their own behalf to be considered 
as beneficiaries. Nevertheless, self-selection is not the only determinant of eligibility for funding. 
The DFMC additionally screens applications to select actual beneficiaries. With respect to the 
disability fund, the main aim of targeting is to make efficient use of resources amidst budget limits.  
The use of targeting has been questioned and criticized for both rational (as all targeting 
mechanisms generate errors and costs) and ethical reasons (as it can lead to ‘social divisiveness 
and perceptions that excluding some people from benefits is socially unjust’) (Devereux, 2016, p. 
1; Devereux et al., 2015). Regardless these criticisms, the only suitable way of ensuring that needs 
of vulnerable groups are met amidst budgetary constraints is to employ targeting which could 
imply deferring the meeting of applicants’ needs even in instances where they are well-deserving 
of support. Again, Devereux (2016) proposes that social assistance should be targeted at those who 
need it, especially when budgets are constrained, moving progressively towards “categorical 
universalism” – in this case ensuring that all PWD applicants benefit from the 3% disability fund 
- when resources and politics permit.  
 
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2.5 Contribution of the disability fund to the well-being of PWDs in Ghana 
The 3% DACF for PWDs has proven to be instrumental to meeting the health, educational, 
business and apprenticeship needs of applicants. For instance, a study by Fosu (2017) in the East 
Akim Municipality revealed that an oven and accompanying accessories were provided for the 
Kibi School for the deaf to enhance teaching and learning. Again, another PWD in the same 
municipality indicated purchasing a sewing machine with allocation from the fund which yielded 
proceeds to fend for the needs of her children. Moreover, Agboga (2015) established that 38% of 
PWDs who were unemployed prior to intervention of the fund were all involved in trading and 
farming and some others enrolled in school. Regarding health, some PWDs had been provided 
technical aids with plans to enroll PWDs on to the National Health Insurance Scheme (NHIS) to 
improve their access to healthcare in the same district. Similarly, in Ada East, the fund supported 
the enrolment of PWDs into special schools, the payment of fees and levies and payment for 
stationery and other needs (Agboga, 2015).  Additionally, in 2014, fifty-one Persons with 
Disabilities were supported with assistive devices comprising white canes, spectacles, braille, 
clutches, wheelchair and hearing aids among others in Kumasi metropolis (Adjei-Domfeh, 2015). 
Adjei-Domfeh (2015) further established that out of a total of sixty-eight requests (68) for assistive 
devices in 2014, a total of fifty-one (51), constituting 75% were provided. This situation is likely 
to have improved following increment of the fund to 3% in 2016, which translates into increased 
quantum of allocation. In the East Akim Municipality for instance, total amount of the fund in 
2016 was GHC 114,612.48, compared to the highest allocation of GHC 46,119.54 in 2015 as total 
receipt for the fund between 2012 and 2015. The increase of approximately 148.5% is a result of 
increment of the fund from 2% since inception to 3% in 2016.  
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2.6 Selection criteria for fund beneficiaries 
Aside outlining spending areas of the fund and establishing that beneficiaries of the fund must be 
PWDs, the NCPD guideline for disbursement and management of the disability fund does not 
provide clear-cut guides for the selection of fund beneficiaries. This suggests that DFMCs of 
various MMDAs can use their discretion to decide on some eligibility criteria for the selection of 
beneficiaries without contradicting the guideline. Considering the contributions of the fund to the 
wellbeing of beneficiaries and its inadequacy to meeting the requests of all applicants, it is essential 
for it to be disbursed among persons in dire need for their lives to be positively affected.  
There is little evidence on what DFMCs consider during the selection of beneficiaries. 
Nevertheless, Ashiabi & Avea (2020) reveal that the selection of fund beneficiaries in the Upper 
East region regarding the provision of assistive devices and purchase of equipment for income 
generating activities were influenced by district political heads for members of their political 
parties with a disability. Ashiabi & Avea (2020) further recommend that the study is repeated in 
other MMDAs considering the high poverty rate in the Upper East region which translates into 
numerous applications and in effect, the involvement of political heads at the district level.  
While there is appreciable literature on contribution of the fund to the well-being of beneficiaries, 
relatively little is known about the proportion of applicants who receive support from the fund as 
well as factors which influence their selection. These gaps will be addressed by this study 
 
Chapter summary 
This chapter provided an exposition on the number of PWDs in Ghana and policies rolled out to 
enhance their wellbeing.  Reference was also made to the concept of social justice with specific 
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focus on John Rawls theory and its link with the disability fund. The chapter ended with evidence 
from other studies on contribution of the fund to the wellbeing of beneficiaries.    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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Chapter Three 
Methodology 
3.0 Introduction 
This chapter explains the research design, sampling techniques, study area, data collection methods 
and analysis and limitations of the study.  
3.1 Research Design and approach 
A research design is a general plan or strategy for conducting a research study to examine specific 
testable research questions of interest (Lavrakas, 2008). Thus, it provides a framework for data 
collection and analysis.  
A mixed methods research approach was adopted for this study. Thus, there was an integration of 
both qualitative and quantitative research to meeting its objectives. Creswell et al. (2003) outlines 
six (6) types of mixed methods research as follows; sequential explanatory; sequential exploratory; 
sequential transformative; concurrent triangulation; concurrent nested and concurrent 
transformative. Specifically, the sequential explanatory type of mixed methods research was 
employed by this study.  
The explanatory-sequential approach is a sequential approach and is used when the 
researcher is interested in following up the quantitative results with qualitative data. Thus, 
the qualitative data is used in the subsequent interpretation and clarification of the results 
from the quantitative data analysis. In many instances, because the quantitative design is 
the emphasis, a generic qualitative design is used in explanatory approaches. This two-
phase approach is particularly useful for a researcher interested in explaining the findings 
from the first phase of the study with the qualitative data collected during phase two. 
(Edmonds and Kennedy, 2017, pp. 197).  
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As highlighted in Chapter 1, the study seeks to uncover trends of requests presented by PWDs and 
establish the proportion of applicants who received funding between 2016 and 2020. Information 
for this objective was derived from application forms and letters of applicants and analyzed using 
descriptive statistics, representing phase 1 of the explanatory-sequential approach as emphasized 
by (Edmonds and Kennedy, 2017). Phase 2 of the explanatory-sequential approach comprised Key 
Informant Interviews (KII) of selected DFMC members in participating districts to explain what 
guides the selection of fund beneficiaries and some results from the analysis of secondary data.  
3.2 Selection of participating districts 
The Ghana Statistical Service (2014) report on disability reveals the top three regions with the 
highest number of PWDs as Ashanti region, Greater Accra and Eastern region with 16.9%, 14.1% 
and 12.8% of PWDs respectively. Using a simple random sampling, the Greater Accra region was 
selected among the top three regions with the highest population of PWDs as focus region of the 
study.  
Again, a simple random sampling approach was used to select participating districts within the 
Greater Accra region. Considering the study period, that is between 2016 and 2020, only sixteen 
(16) Metropolitan, Municipal and District Assemblies (MMDAs)1 were in existence within the 
Greater Accra region. These districts were grouped into Metropolis’, Municipals and Districts to 
further enable the researcher to understand the study’s objectives within these differing levels of 
local governance. After the groupings were made, unique identification numbers were assigned 
each district on a piece of cardboard with the identification numbers concealed through folding. 
One piece of cardboard was selected from each of the categories. Selected districts were Tema 
 
1 List of existing MMDAs in Greater Accra in 2016 have been attached as an Appendix 
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Metropolitan Assembly, La Dade-kotopon Municipal Assembly and Shai Osudoku District 
Assembly.  
3.3 Brief profile of study areas 
Selected districts were fairly spread across the region as at 2016. All three MMDAs have a higher 
population of women with disability compared to men (Ghana Statistical Service, 2010). All things 
being equal, this is likely to translate into a higher proportion of female beneficiaries in beneficiary 
districts. Figure 3 below displays existing districts within the Greater Accra region as at 2016.  
 
Figure 3:  Map of existing districts in the Greater Accra region as of 2016 
 
 
 
 
 
 
 
 
 
Photo credit: Wikimedia Commons (retrieved on 28th August 2021) 
 
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3.3.1 Tema Metropolis 
The Tema Metropolis shares boundaries on the North-East with the Kpone Katamanso and Ningo-
Prampram Districts, South- West by Ledzokuku Krowor Municipal, North-West by Adentan 
Municipal and the Ga East Municipal, and the South by the Gulf of Guinea. The Metropolis covers 
an area of about 396km2 (Tema Metropolitan Assembly, n.d).  
The 2010 Population and Housing Census showed that 2.5 percent (7,269 persons) of the 
Metropolis’ total population had one form of disability or the other. Disability among the female 
population with disability was slightly higher (52.9 %) than that of the male population (47.1 %). 
Among the Metropolis’ persons with disabilities, 51.6 percent were employed whereas 43.1 
percent were not economically active. 
3.3.2 La Dade-kotopon Municipal  
The La Dade-kotopon Municipal Assembly was carved out of the Accra Metropolitan Assembly 
in June 2012 with its capital located at La. The Municipality covers an area of 360sq km and shares 
boundaries on both North and West by Accra Metropolitan Assembly, the East by Ledzokuku 
Krowor Municipal Assembly and bounded on the South by the Gulf of Guinea (La Dade-kotopon 
Municipal Assembly, n.d). 
The 2010 Population and Housing Census revealed that 3.4 percent (6,284 persons) of the 
Municipality’s total population have one form of disability or the other. Disability among the male 
population was slightly lower (46.8%) than that of females (53.2%). Moreover, 53.3 percent of the 
total population of PWDs aged 15 years and above within the Municipality were employed, 5.2 
percent were unemployed while 41.5 percent were economically not active. 
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3.3.3 Shai Osudoku District 
The district was carved out of the former Dangme West District on 15th March 2012. It occupies 
968.36sq km and shares boundaries with North Tongu District to the North-East, Yilo Krobo 
Municipality, and Upper Manya District to the North-West, Akwapim North Municipality to the 
West, Kpone Katamanso Municipality to the South-West, Ningo-Prampram District to the South, 
and Ada West District to the East (Shai Osudoku District Assembly, n.d). 
According to the Ghana Statistical Service, 2.6 percent (1,335 persons) of the district’s population 
in 2010 were with a disability.  More females (55.8 %) than males (44.2 %) were with a disability. 
Again, 48.6 percent of Persons with Disabilities aged above 15 years in the district were employed 
as of 2010.  
3.4 Study Population  
The study population comprises DFMC members in participating districts. Key members of the 
DFMC participated in an interview to elicit responses on the selection criteria for beneficiaries. 
Data on PWD applicants and beneficiaries between 2018 and 2020 were also sourced from the 
various Departments of Social Welfare and Community Development to enable the researcher to 
assess the nature of requests presented by PWDs. This implies that direct contact was not made 
with applicants and beneficiaries. Different from the intended study period of 2016 to 2020, data 
on applicants and beneficiaries between 2018 and 2020 was utilized for the study because neither 
of the selected districts had information on applicants and beneficiaries prior to 2018. 
3.5 Respondents’ selection process 
To address objective 1, data on all PWD applicants in participating districts between 2018 and 
2020 was considered. Thus, total population sampling was employed. A total of 167; 130 and 184 
forms of applicants in 2018, 2019 and 2020 respectively were assessed.  
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In line with the topic under investigation, Chairpersons of the DFMC, Directors of Social Welfare 
and Community Development and district representatives of the NCPD who are members of the 
committee were purposively selected to participate in Key Informant Interviews (KII) in response 
to research objective 2. The adoption of this purposive selection was based on my judgment on 
which respondents will be most appropriate and representative regarding their level of knowledge 
and expertise on the topic of interest (Babbie, 2007).  
As with committees, Chairpersons are expected to lead discussions and provide overall leadership 
to the committee. Considering role of Directors of DSWCD in the receipt and compilation of all 
fund applicants, their participation is key. The district representative of the NCPD is expected to 
be abreast with guidelines set out by council regarding the fund and demonstrate these during 
committee meetings. A total of nine (9) DFMC members from the three participating districts were 
purposively selected to provide information in aid of the study.  
To enhance the release of information by participating districts, introductory letters from the 
Centre for Social Policy Studies were presented to Coordinating Directors of participating districts. 
A directive was then sent to all Directors of Social Welfare and Community Development to 
provide information required for the study. In compliance with this, the Directors of Social Welfare 
and Community Development provided application forms for the study period and contact details 
of sampled DFMC members.  
3.6 Data collection methods  
Data was generated from an analysis of secondary data and in-depth interviews. In-depth 
interviews were conducted to gain comprehensive insight into what DFMCs consider during the 
selection of beneficiaries. For objective 1, data was derived from an analysis of secondary data on 
applicants’ forms. Information on all applicants within the stipulated period were considered for 
the study. This information was assessed to generate information on the sex of applicants, type of 
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disability and the nature of applicants’ requests vis-a-vis ‘spending areas’ as outlined by the NCPD 
(NCPD/GFD, 2010). The analysis of data on application forms happens to be the only available 
means of generating information on applicants between 2018 and 2020.   
Persons who require assistance from the disability fund are expected to apply to their respective 
district department of Social Welfare and Community Development. During the submission of 
their application forms, they are also required to register with the NCPD – by completing a form 
with their biodata including type of disability -at the DSWCD. This registration is intended to 
enable the DSWCD and the NCPD to have an idea of the number of PWDs within MMDAs, their 
sex and corresponding forms of disability. In La Dade-kotopon and Tema metropolis, the DSWCD 
had designed forms for applicants. Participants are required to provide their names, sex, contact 
number, location, indicate form of disability and amount of support required on these forms. 
Applicants in Shai Osudoku are required to submit application letters for the grant at least by 
stating its purpose and expected amount.  
A semi-structured interview guide was used to elicit information from members of the DFMC 
(Director of Social Welfare and Community Development, NCPD representative and chairperson 
of committee) for objective 2. The interview guide comprised questions centered on the selection 
criteria of fund beneficiaries to streamline discussions and responses accordingly. Probes were 
introduced depending on responses provided by interviewees. With the permission of interviewees, 
all interviews were recorded for transcription purposes to correct the limitation of the researcher 
with respect to recalling what exactly was said by interviewees, allow a thorough examination of 
statements from interviewees and serve as proof to counter accusations that data analysis may have 
been influenced by the researcher’s biases (Heritage, 1984).  
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3.7 Data analysis 
The secondary data analysis focused on variables such as sex, purpose of request, whether 
application was considered, amount requested and actual amount provided from application forms. 
These variables were then interpreted using descriptive statistics such as graphs and frequencies. 
The Statistical Package for Social Sciences (SPSS) and Microsoft Excel were used to analyze the 
variables and in effect, generate graphs, determine percentages and frequencies. A district-specific 
analysis was adopted to determine differences or similarities that exist among the different 
districts.  
Thematic analysis was adopted for the analysis of data derived through semi-structured interviews 
on the selection criteria for fund beneficiaries. Precisely, Braun and Clarke’s approach to reflexive 
thematic analysis was utilized. Transcripts of the different interviews were thoroughly assessed to 
identify common or repetitive themes. In specific terms, the thematic analysis paid particular 
attention to repetitions, similarities and differences as well as linguistic connectors – the use of 
words like since, therefore and because among others - (Ryan & Bernard, 2003).  
3.8 Ethical considerations 
An ethical issue which is likely to arise from this study is confidentiality with respect to the identity 
of interviewees and fund applicants. To mitigate this, unique identification codes were used during 
the analysis of applicants’ data on applicants and interviewees. Moreover, the identity of 
interviewees was not attributed to their quotes.   
3.9 Limitations of the study 
The study sought to assess application forms from 2016 to 2020 in each of the participating districts 
for an elaborate trend analysis of the rate to which applicants’ requests are met. Owing to the non-
availability of data for 2016 and 2017, data between 2018 and 2020 was utilized, thereby limiting 
an elaborate trend analysis. The NCPD representative for participating districts happened to be the 
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same individual. Owing to this, it is possible that the opportunity to have diverse positions from 
the NCPD perspective on the selection of beneficiaries was lost.  
Further studies on the fund should consider a trend analysis of the number of applicants, total 
amounts requested by applicants and allocations to the disability fund across different MMDAs to 
assess equity considerations.  
Chapter summary 
Chapter three pointed out use of the sequential explanatory form of mixed methods research for 
the study. Information on the selection of participating region, districts and respondents was 
thoroughly explained in addition to means of data collection and analysis. The chapter concluded 
with ethical considerations and limitations of the study.  
 
 
 
 
 
 
 
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Chapter Four 
Data Presentation, Analyses and Discussion 
4.0 Introduction 
This chapter comprises an analysis and discussion of data which was collected for the study. It has 
been mainly organized around the two study objectives which sought to assess the nature of 
requests presented by PWDs and  determine factors which influence the selection of beneficiaries. 
4.1 Data 
Although for the study period was revised to begin from 2018, comprehensive data for Shai 
Osudoku and La Dade-kotopon could not be sourced for 2018. In Shai Osudoku for instance, while 
application letters were available in 2018, detailed data on approved beneficiaries for the same 
year was lost due to virus corruption.  Data for 2018 and 2019 in La Dade-kotopon had no 
application dates on the application forms, making it difficult to tell which forms belong to either 
of these years.    
Key Informant Interviews were conducted with six (6) members of the DFMCs in the three 
participating districts. This comprised three (3) Directors of DWCD who served as secretaries to 
the committees, two (2) committee chairpersons and one (1) representative of the NCPD, who 
serves on the DFMC of all three participating districts.  
Total number of application forms from which data analysis was conducted are highlighted in table 
1 below.  
 
 
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Table 1: Number of application forms assessed 
Districts 2018 2019 2020 
Shai Osudoku 167 82 N/A 
La Dade-kotopon N/A N/A 128 
Tema N/A 48 56 
Source: DSWCD of Shai Osudoku, La Dade-kotopon and Tema 
4.2 Demographic characteristics of applicants 
4.2.1 Sex of applicants  
The percentage of male and female applicants differed across the various years. Utilizing 
information provided by participating MMDAs in Table 1 above, 41% of applicants in 2018 were 
males compared with 56% female applicants and 3% of applicants whose sex were not specified. 
Applicants whose sex could not be specified were from Shai Osudoku. Their sex was not specified 
on their application letters and could not be determined because they possessed unisex names. In 
2019, 50% and 45% of applicants were males and females respectively with 5% whose sex were 
not specified. The year 2020 had 55% of applicants as males and 45% as females. Male PWDs 
presented the highest number of applications compared with females in 2020 and 2019. 
Nevertheless, existing statistics from the 2010 census showed that female PWDs were relatively 
higher than males in all participating districts. The dominance of male applicants in the 
aforementioned years could be attributed to migration or poor knowledge of the fund among 
females.  
Table 2: Sex disaggregation of applicants (%) 
Sex 2018 2019 2020 
Male 41% 50% 55% 
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Females 56% 45% 45%  
Not specified 3% 5% 0% 
  
 
Source: DSWCD of Shai Osudoku, La Dade-kotopon and Tema 
In Tema for instance, female applications exceeded that of males in 2019 while males outnumbered 
females in 2020. In 2020, males emerged as the highest number of applicants in La Dade-kotopon. 
In Shai Osudoku, female applicants exceeded males in 2018 whereas males dominated in 
applications in 2019.  Table 3 below presents a district-specific sex disaggregation of applicants 
between 2018 and 2020.  
Table 3: District-specific sex disaggregation of applicants in participating districts between 2018 
and 2020 
Years 2018 2019 2020 
 Male Females Not Male Female Not Male Female 
Districts (%) (%) Specified (%) (%) specified (%)  (%) 
(%) (%) 
Tema N/A N/A N/A 42 58 0 57 43 
La Dade- N/A N/A N/A N/A N/A N/A 54 46 
kotopon 
Shai 41 56 3 55 37.5 7.5 N/A N/A 
Osudoku 
Source: DSWCD of Tema, La Dade-kotopon and Shai Osudoku 
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4.2.2 Age of applicants 
The ages of applicants in 2019 and 2020 are displayed in Table 4 below. Per the analyzed data, the 
ages of 36% applicants were not specified on application forms in 2019. However, 27%, 20%, 
13% and 3% of applicants were within the age categories of 0 to 17; 36 to 59; 18 to 35 and 60 and 
above respectively. Thus, aside applicants who did not specify their ages, applicants within the 
ages of 0 to 17 years constituted the second highest number of applicants. Their applications were 
presented to their respective MMDAs by their parents, guardians or caregivers.    
In 2020, applicants within ages 36 to 59 years presented the highest number of applications, 
constituting 34% of applicants. PWDs within ages 18 to 35 years constituted 33% of applicants, 
23% of applicants were within ages 1 to 17 years whereas applicants aged 60 and above made up 
10% of applications.  
Table 4: Age categorization of applicants (%) 
Age categories of applicants 2019 2020 
Not specified 36% 0% 
0 to 17 27% 23% 
18 to 35 13% 33% 
36 to 59 20% 34% 
60 and above 3% 10% 
Source: DSWCD of Shai Osudoku, La Dade-kotopon and Tema 
Applicants within the categories of 18 to 35 and 36 to 59 years dominated applications for Tema 
in 2019 and 2020 and La Dade-kotopon in 2020. In 2019, 45.5% of applicants in Tema were 
between the ages of 36 to 53; 27.1% were aged 18 to 35; 18.8% were between 0 to 17 years while 
8.3% did not indicate their ages on the application forms despite the availability of space for them 
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on the application forms. Figure 4 below displays the various age categories of applicants in Tema 
and La Dade-kotopon in 2019 and 2020.  
Figure 4: Age categorization of applicants in Tema and La Dade-kotopon (%) 
50  
45
40
35
30
25
20
15
10
5
0
Tema 2019 Tema 2020 La Dade 2020
Not specified 0 to 17 18 to 35 36 to 59 60 and above
Source: DSWCD of Tema and La Dade-kotopon 
4.2.3 Forms of disability among applicants 
In 2019 and 2020, physical disability emerged the highest form of disability among applicants. 
Unspecified forms of disability were recorded among 15% and 7% of applicants in 2019 and 
2020 respectively. Visual impairment among applicants was 7% and 11% in 2019 and 2020 
respectively. Table 5 below depicts the forms of disability. The ‘others’ category constitutes 
albinism, autism, down syndrome and cerebral palsy. 
Within Tema metropolis and La Dade-kotopon municipality in the specified years, physical 
disability was the most prominent form of disability among applicants, constituting 72.9% and 
73.2% of applicants within Tema in 2019 and 2020 respectively as displayed in figure 5. Physical 
disability was 39.1% among 2020 applicants of La Dade-kotopon.  
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Table 5: Forms of disability among applicants (%) 
Forms of disability 2019 2020 
Not specified 15% 7% 
Visual 7% 11% 
Multiple 5% 10% 
Hearing 13% 5% 
Speech 1% 1% 
Physical  42% 49% 
Others 17% 16% 
Source: DSWCD of Shai Osudoku, La Dade-kotopon and Tema 
Figure 5: Forms of disability among applicants (%) 
80
70
60
50
40
30
20
10
0
Tema 2019 Tema 2020 La Dade 2020
not specified visual impairment hearing impairment
speech impairment physical disability Multiple disability
others
 
Source: DSWCD of Tema and La Dade-kotopon  
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4.3 The nature of requests presented by fund applicants 
This section discusses issues relating to the first objective of this study which assessed the nature 
of requests presented by applicants. All three (3) MMDAs largely grouped fund applicants into 
three (3) categories; namely income generating activities; medical assistance and educational 
support which are largely in line with the proposed spending areas of the NCPD. The Income 
Generating Activities (IGA) category comprises requests for equipment, items or gadgets intended 
to be used for business purposes. Medical assistance encompassed the payment of medical bills 
and assistive devices for applicants. Educational support was concerned with the payment of 
school fees, money for subsistence in schools, support for apprenticeship and educational 
equipment/materials.  In each of the years for which data was available, all three MMDAs 
supported the development of OPWDs mostly through the payment of congress participation fees 
and sensitizations on the fund. 
With respect to data gathered for this study, requests presented by applicants in all three districts 
were dominated by applicants who intended to use funds for IGA. Interviewees of participating 
MMDAs also indicated that requests presented by applicants to a large extent fall within spending 
areas of the fund as indicated by the NCPD. This could imply that the prescribed NCDP spending 
areas are in line with the needs of PWDs or attributable to sensitizations undertaken on the fund 
among the various OPWD on its areas of funding. In addition, one MMDA indicated that requests 
outside funding areas of the fund are not accepted by the DSWCD as follows; 
“Applications from PWDs are largely within spending areas of the fund. There was 
however one instance where one applicant requested support for accommodation. We did 
not accept her request. We just told her that we don’t attend to accommodation issues”. 
(Interviewee, Tema). 
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Table 6: Purpose of applicants’ requests 
Purpose of applicants’ requests 2018 2019 2020 
Not specified 2% 2% 12% 
IGA 66% 38% 60% 
Multi-purpose 10% 16% 8% 
Medical/assistive 10% 22% 11% 
Educational/apprenticeship support 12% 23% 9% 
Source: DSWCD of Shai Osudoku, La Dade-kotopon and Tema 
As portrayed by table 6 above, IGA related requests were the highest in 2018, 2019 and 2020, 
constituting 66%, 38% and 60% of requests in these years respectively. In 2018 and 2019, requests 
for educational and apprenticeship purposes were 12% and 23% among presented requests 
respectively.  
Figure 6: Nature of requests presented by applicants in Shai Osudoku (%) 
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
2018 2019
Unspecified IGA Multi-purpose Medical/assistive devices Educational support
 
Source: DSWCD of Shai Osudoku 
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Reference to figure 6 shows that in 2018, 66.5% of applications in Shai Osudoku were intended 
for IGA whereas 12% were meant for educational purposes. 9.6% were meant for medical and 
assistive devices; 9.6% for multi-purposes which implies a combination of two of the three 
spending areas (IGA, educational support and medical/assistive devices). In 2019, 20% of 
applications were geared towards IGA; 27.5% for medical/assistive devices; 25% for multi-
purposes; and another 25% for educational support.  
Figure 7: Nature of requests presented by applicants in La Dade-kotopon 
Unspecified IGA Multi-purpose Medical/assistive devices Educational support
7%
17%
8%
9%
59%
 
Source: DSWCD of La Dade-kotopon  
Figure 7 shows that in 2020, 59% of requests in La Dade-kotopon were meant for IGA; 17% of 
requests were unspecified; 9% were for multi-purposes; 7% were for educational support and 8% 
for educational support.  
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Figure 8: Nature of requests in Tema (%) 
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
2019 2020
Unspecified IGA Multi-purpose Medical/assistive devices Educational support
 
Source: DSWCD of Tema 
Within the Tema metropolis in 2019, 66.7% of requests were intended for IGA; 18.8% for 
educational purposes; 12.5% for medical/assistive devices; and 2.1% for multi-purposes. Requests 
for 2020 comprised 60.7% IGA; 19.6% for medical/assistive devices; 14.3% for educational 
purposes and 3.6% for multi-purposes as displayed in figure 8 above.  
4.4 Beneficiary selection process 
In all three (3) districts, the selection of beneficiaries mimics the underlisted process in figure 9 
with some noted differences in each of the stages. At each of the stages, factors which guide 
selection as listed in section 4.5 are applied.  
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Figure 9: Selection procedure for fund beneficiaries 
Shortlisting
Vetting
Needs 
Assessment
Approval
 
Source: Field survey, 2021 
At the shortlisting stage, application letters and NCPD forms are scrutinized with priority for 
youth, children and unemployed PWDs and persons deemed more vulnerable. At this stage also, 
attention is paid to persons who have never benefitted from the fund. An interviewee made the 
statement below to define the shortlisting stage. 
“During shortlisting, we look at applications and the NCPD registration forms to select 
potential beneficiaries. Factors such as age and employment status are considered” 
(Interviewee, La Dade-kotopon) 
The Vetting stage comprises an in-person or virtual interaction with shortlisted applicants to 
confirm information on application letters and forms and a thorough discussion of presented needs. 
For IGA for instance, the committee finds out what informed the decision for an applicant to 
request support for a particular IGA. In instances where the committee deems the preferred IGA 
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as unviable, the applicant is advised to consider another IGA with his or her consent. In addition, 
it also seeks to confirm the residence of applicants in a bid to ensure that PWDs who reside within 
a particular district benefit from the fund. Different modes of vetting applicants are highlighted in 
the underlisted quote 
“Depending on the mobility and or proximity of applicants, some interactions at the vetting 
stage are not done in-person. This is also to enhance the convenience of applicants” 
(Interviewee, Shai Osudoku)  
Needs Assessment largely applies to IGA applicants. It is the stage where field visits are 
undertaken to assess the viability of a proposed IGA. In this regard, the committee looks out for 
existing sites for the proposed business and whether they can yield positive results for the 
applicant. Again, should there be some noted challenges, applicants are advised on appropriate 
actions to take with their consent. An interviewee highlighted importance of the needs assessment 
stage as follows. 
“The needs assessment stage is very crucial during the selection of beneficiaries. A key 
deciding factor is the availability of space for the applicant’s desired IGA” (Interviewee, 
La Dade-kotopon) 
At the approval stage, the committee considers amount available for disbursement and prioritizes 
based on interactions with applicants at the listed stages. Applicants whose requests are not granted 
are put on the waiting list for subsequent fund disbursements. In describing the approval stage, an 
interviewee made the underlisted statement.  
“…depending on amount available for disbursement, we prioritize the various requests 
and disburse accordingly. Applications of persons who do not benefit at a particular point 
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in time are put on the waiting list for their needs to be addressed later depending on the 
availability of funds” (Interviewee, La Dade-kotopon).  
4.5 Factors which influence the selection of fund beneficiaries 
This study found out that not all applicants benefit from the fund within their years of application 
within participating MMDAs, making the selection process worth investigating. Again, this study 
went a step further to provide information on differences between applications and approvals along 
years for which data was available and in addition, the proportion of applicants who get funded 
for a particular year.  
4.5.1 Differences between applications and approvals  
The findings below show the gap between applications and approvals and the amount of funds 
required by beneficiaries within selected districts by applicants in 2019 and 2020.  It is worthy to 
note that total approvals in specified years does not represent total amount of disability funds 
received by the MMDAs in question. This is because the analysis excludes amount to OPWDs, 
requests granted to applicants on the waiting list for previous years and amounts spent on 
administrative purposes. As emphasized in the selection process above, the DFMC advises 
applicants at the vetting and needs assessment stages as to profitable or viable ventures to delve 
into. This is also likely to be a contributory factor to the decrease in amounts provided beneficiaries 
in comparison to their actual requests.    
 
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Table 7: Proportion of applicants' requests and actual approvals for beneficiaries in 2019 and 
2020 
Years % Of Total Total request Approved 
beneficiaries out request of of amount for 
of applicants applicants beneficiaries beneficiaries 
(GHC) (GHC) (GHC) 
2019 65% 283,548 203,088 110,180 
2020 42% N/A 146,913 87,745 
Source: DSWCD of Tema, La Dade-kotopon and Shai Osudoku 
As of November 2021, 65% of total applicants in 2019 had benefitted from the disability fund 
within districts provided data. This indicates that approximately two years after requesting support 
from the fund, 35% of applicants within Tema and Shai Osudoku are yet to receive support from 
the fund. Amount provided for beneficiaries totaled GHC 110,180 which represented 54% of 
support desired by beneficiaries. Beneficiaries comprised 46% females and 49% males which is 
considerably proportional to the percentage of male and female applicants displayed in table 2 
above. Sex of the remaining 5% was not specified.  
Forty-two percent (42%) of applicants in 2020 had benefitted from the fund as of November 2021, 
indicating a gap of 58%. Thus, 54% of 2020 applicants within La Dade-kotopon and Tema were 
yet to receive funding support. As shown in table 7 above, 60% of amounts required by 
beneficiaries were provided.   This could be attributed to delayed disbursement of the last tranche 
of DACF for 2020. As of November 2021, DFMC were yet to receive the disability fund for 
October to December 2020. A sex disaggregation of beneficiaries showed that males comprised 
51% whereas females made up 49%. This is relatively proportional to the percentage of male and 
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female applicants in 2020 as shown in table 2 above. In terms of disability, many applicants with 
physical disability were mostly considered, making up 47% of beneficiaries. Again, this is 
proportional with the disability type of applicants in table 5.   
 
Figure 10: A graphical presentation of total requests, amount required by beneficiaries and 
approved amount for beneficiaries in Shai Osudoku – 2019 (GHC) 
200000
150000
100000
50000
0
PWDs total requests Request of beneficiaries Total approvals for beneficiaries
Source: DSWCD of Shai Osudoku district 
Within the Shai Osudoku district in 2019, a total of 82 PWDs presented applications for support 
amounting to GH₵ 179,501. This excludes applications presented by OPWDs. Out of this number, 
61 applicants, representing 74% received support from the fund. Beneficiaries comprised 41% 
females and 52% males whereas the sex of 7% was not specified. Although requests of 
beneficiaries amounted to GH₵ 131,451, approved amounts for beneficiaries totaled GH₵ 63,000, 
representing 48% of beneficiaries’ requests. A graphical presentation of total PWD requests, 
amount requested by beneficiary PWDs and approved amounts are displayed in figure 10 above. 
Regarding the approvals for 2019 applicants, 31% were meant for educational purposes; 30% for 
medical assistance and the provision of assistive devices; 23% for multi-purposes and 16% for 
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IGA as shown in figure 11. This suggests a likelihood that approved applications were not in 
tandem with the NCDP percentages for approval.  
Figure 11: Distribution of fund approvals along spending areas in Shai Osudoku - 2019 
IGA Multi-purpose Medical/assistive Education
16%
31%
23%
30%
Source: DSWCD, Shai Osudoku 
Of a total of 128 applicants within La Dade-kotopon in 2020, 59 applicants, representing 46% had 
received support from the fund. This was made up of 52% females and 48% males. Regarding 
disability type, Persons with Physical Disabilities mostly received support. This category of 
disability had 36% beneficiaries.  From the approvals, 37% of corresponding requests were for 
equipment and devices in line with spending areas of the fund. These include laptops, refrigerators, 
tricycles, industrial sewing machines and spectacles. Thus, these requests were not quantified in 
cash by applicants. Upon the approval, these items were purchased for applicants.  
The remaining approvals, which constitute 63% were quantified in cash. Of this percentage, 
beneficiaries’ requests amounted to GHC 97,000 out of which GHC 47,000 (48%) was provided.  
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Figure 12: Distribution of fund approvals along spending areas in La Dade-kotopon - 2020 
Not specified IGA Multi-purpose Medical/Assistive devices Education
5%
9% 15%
15%
56%
 
Source: DSWCD of La Dade-kotopon 
With respect to spending areas of approved applications, IGA comprised 56%; 15% were 
unspecified; 15% were for multi-purposes; 9% were for medical assistance and the provision of 
assistive devices; and 5% for educational support. Again, this supports the statement by one 
interviewee in La Dade-kotopon on how adherence to the NCPD percentages on spending areas is 
achieved without difficulty.   
Tema metropolis 
Out of 48 applicants in 2019, 24 (50%) were actual beneficiaries with 79% of them having a 
physical disability. Beneficiaries encompassed 58% females and 42% males. The total amount 
requested by all applicants (thus, 48 persons) amounted to GHC 104,047. Approved amounts for 
beneficiaries stood at GHC 47,180 which is 66% out of their request of GHC 71,637. Figure 13 
shows the differences between total requests presented by applicants, total amount requested by 
applicants and total approved amount for beneficiaries.  
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Figure 13: A graph displaying of total requests, amount required by beneficiaries and approved 
amount for beneficiaries in Tema – 2019 and 2020 (GHC) 
140000
120000
100000
80000
60000
40000
20000
0
2019 2020
Amount requested by applicants Amount requested by beneficiaries Approved amount for beneficiaries
 
Source: DSWCD of Tema 
Out of the approvals, 88% were for IGA; 8% for medical and assistive devices and 4% for 
educational purposes.  
In 2020, a total of 56 PWDs presented applications for support from the fund which amounted to 
GHC 121,138. Eighteen of these applicants, representing 32% actually benefitted from the fund. 
Of these beneficiaries, 83% had physical disabilities. In addition, 39% were females whereas 61% 
were males. Beneficiaries requested a total amount of GHC 49,913 out of which GHC 40,745 
(82%) was provided. 56% of beneficiaries’ requests were for IGA; 33% for medical assistance and 
assistive devices; and 11% for educational support.  
It can be deduced that the Tema metropolis had the highest percentage in terms of meeting 
beneficiaries’ requests. In 2019 and 2020, 66% and 82% of beneficiaries’ requests were met 
compared with 48% of beneficiaries’ requests in 2019 in Shai Osudoku and La Dade-kotopon in 
2020. An interviewee at the Tema metropolis explained that for IGA requests, a maximum amount 
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approved by the committee is available for beneficiaries. In 2019, a maximum amount of GH₵ 
2000 was available for IGA beneficiaries whose requests were GH₵ 2000 and above. This amount 
was reviewed to GH₵ 3000 in 2020 to match market trends. 
Compared with the Tema metropolis, Shai Osudoku had the highest percentage of beneficiaries 
compared with the total number of applicants in 2019. Thus, for applicants in 2019, the Shai 
Osudoku district provided support for 74% of applicants while Tema metropolis provided for 50% 
of applicants in 2019. The large percentage in Shai Osudoku can be attributed to the thin spread 
of the fund among many applicants with respect to IGA. Two (2) interviewees within Shai 
Osudoku indicated this by explaining that there were two different views regarding the quantum 
of funds disbursed for IGA activities. One view opines that considerable amount of funds is 
disbursed for few IGA beneficiaries to ensure that their businesses are established and do not re-
apply for support within a short period of time while remaining applicants are put on the waiting 
list. The second view supports the disbursement of funds among an appreciable number of 
beneficiaries, regardless amount given to ensure that numerous beneficiaries access the fund as 
this will ensure that a large number of applicants benefit from the fund.  
4.6 Influencing factors for beneficiary selection 
The finding that not all applicants benefit from the disability fund within their years of application 
and even a year or two after their applications makes the selection process one worth inquiring 
into. As already indicated above, as of November, 2021, the Shai Osudoku district had approved 
requests of 74% of applicants; Tema approved 50% and 32% of applications in 2019 and 2020 
respectively; whiles La Dade-kotopon had approved 46% of applications.  
Key informant interviews with DFMCs in the three districts pointed out to three outstanding 
factors which influence selection as follows; most vulnerable applicants, first-time beneficiaries 
and fully completed applications.  
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4.6.1 Most Vulnerable applicants 
Vulnerability has been defined by the United Nations Office for Disaster Risk Reduction 
(UNDRR) as the conditions determined by physical, social, economic and environmental factors 
or processes which increase the susceptibility of an individual, a community, assets or systems to 
the impacts of hazards (n.d). Vulnerability emerged as one of the selection criteria for beneficiaries 
of the fund. In this regard, attention is paid to PWD applicants who are children and unemployed 
ones within the working ages. Applicants’ vulnerability is determined during the vetting stage 
where interactions, both face to face and through virtual means are held with participants to 
determine the urgency of their requests and what inaction could result in.  Although, generally, 
PWDs are considered a vulnerable group, inadequacy of the fund to meeting the needs of 
applicants makes it necessary for this criterion to be utilized.  Vulnerability considerations include 
age and employment status as highlighted by interviewees in the quotes below.  
“We look at those who are more vulnerable per their needs... Actually, they come over and 
we interact with them then we really know those who are more vulnerable. Because per 
their application, you can’t see anything that tells you that they are vulnerable. It is only 
through interaction that you get to know who more vulnerable. And also, children 
especially for their education and medicals, we take a critical look at that”. (Interviewee, 
Tema Metropolis) 
“…we also look at the fact that you are working or not...so if you are working and then 
you get something every month, someone who is not working will stand a chance of 
benefitting compared to you”. (Interviewee, La Dade-kotopon) 
“We screen the application forms to determine the urgent ones. This is done to ensure that 
the limited resources are put to good use” (Interviewee, Shai Osudoku) 
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4.6.2 First-time beneficiaries 
Another criterion for selection which emerged from the study is the prioritization of first-time 
beneficiaries. Whiles the NCPD guidelines does not prevent PWDs from applying for the fund on 
more than one occasion, interviewees admitted to utilizing this criterion for the selection of 
beneficiaries in a bid to ensure that an appreciable number of PWDs have access to the fund. This 
criterion applies to IGA applicants as educational and medical support may be required by 
applicants over a period of time.  
“So, let’s say, … there are a lot of backlogs and then the person who has already benefitted 
applies again while we have not finished serving everyone, we do not consider these 
applications. Unless, it is a medical or educational issue” (Interviewee, La Dade-kotopon) 
Nevertheless, the use of this criterion is not absolute. Interviewees indicated that there are instances 
where an IGA beneficiary for an immediate past year benefit in the ensuing year due to the need 
to expand their business to increase return or instances where additional support is required to 
ensure that the beneficiary’s business is well established.  
“If an applicant has already benefitted from the fund, it is unlikely that they will benefit 
the fund in the ensuring year or two because it is the committee’s objective to ensure that 
other PWDs also benefit from the fund. Until a good case is made for the second 
application such as expansion of business or for urgent medical or educational support, it 
will not be granted” (Interviewee, La Dade-kotopon) 
A concern was raised by an interviewee within the Shai Osudoku district regarding the 
disbursement of meagre funds for IGA beneficiaries which is woefully inadequate to support their 
businesses and makes it difficult for them not to request for support in the ensuing year.  
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“If someone requests GHC 2000 and is given GHC 1000 or GHC 200, the person will 
spend it and within the shortest possible time you go back, you won’t be able to trace the 
money. So, we are now considering giving them something huge to set themselves up, so 
the person doesn’t apply within a year or two” (Interviewee, Shai Osudoku) 
4.6.3 Completed application forms 
Within all three participating MMDAs, applicants are expected to attach documents which justify 
requested amounts in order to complete their applications. For IGA requests, invoices of requested 
forms of support should be attached to the application form or letter to show what requested 
amounts will be expended on. For instance, if an applicant requests a refrigerator with beverages, 
the invoice should show cost of the refrigerator and beverages which should match amount 
requested. Requests for medical support are expected to be accompanied with medical bills to 
prove presented need as well as requested amount. Educational assistance is usually accompanied 
with school bills or invoices of gadgets needed to enhance education. While a number of PWDs 
fail to attach required documents to their applications, this appears not to be a crucial determining 
factor for selection compared with the ‘most vulnerable’ criterion. The role of attaching requisite 
documents to provide evidence for the fund is highlighted in interviewees quotes below;  
“With your application, there should be attachments. You tell them to bring their 
attachments and they end up saying I will come, I will come.  Sometimes after the vetting, 
then they bring their attachments after which the time for selection would have elapsed” 
(Interviewee, Tema). 
“The attachment of supporting documents cannot be overlooked. This is to ensure that 
purpose for which the request is being made is genuine. The fund is already inadequate to 
meeting all of applicants’ needs. Hence, this is necessary to ensure that they are given to 
persons who need them most” (Interviewee, La Dade-kotopon) 
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4.7 Challenges with the selection of beneficiaries 
For interviewees, the most outstanding challenge with beneficiary selection and fund disbursement 
is the allocation of meagre funds among numerous applicants. As indicated earlier, La Dade-
kotopon and Tema was able to provide support for at approximately 50% of applicants in 2019 
and 2020, translating into 63% and 66% of beneficiaries’ requests respectively. Whiles the Shai 
Osudoku district was able to support the highest percentage of applicants in 2019 (74%), the 
district was able to meet 48% of amounts desired by beneficiaries. This also results in the 
increasing number of backlogs or applicants awaiting to benefit from the fund as highlighted by 
an interviewee below. 
“We have backlogs as far back as 2018. We have applications which we have not 
honoured. You know, Tema is a Metropolitan area so we get a whole lot of applications 
and it is not as if you should just touch it. You have to really make sure that what you are 
giving the PWD will make an impact. So that’s the challenge you have” (Interviewee, 
Tema).  
The late disbursement of funds which implies the delayed provision of assistance to beneficiaries 
in dire need was also listed as a contributory factor to the challenge with selection. As at the time 
of data collection in November 2021, DFMC were yet to receive funds for the last quarter of 2020 
and the first 3 quarters of 2021, indicating the likelihood that PWDs who presented their 
applications between October and December 2020 and applicants on the waiting list from 2019 
are yet to be considered for support, thereby prolonging their plight.  
It also emerged that there was some difficulty adhering to the disbursement percentages proposed 
by the NCDP. This was corroborated in an interviewee’s statement below. 
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“The least percentages of 10% for educational and medical support is often hard to meet 
as there are instances where an appreciable number of applications are received from 
these categories and appear urgent, making it impossible to overlook them” (Interviewee, 
Shai Osudoku district) 
4.8 Discussion of findings 
This section will discuss the study’s findings and make comparison with related literature and 
best practices on social protection, particularly social assistance.  
4.8.1 The nature of requests presented by PWDs 
Individual requests of PWDs in all MMDAs were broadly categorized into three as follows; IGA, 
educational and medical and assistive devices which are largely in line with spending areas of the 
fund as proposed by the NCPD. An interviewee indicated that these spending areas were carefully 
considered by the NCPD to reflect the needs of PWDs. Related with elements of the human rights 
model of disability outlined by of Degener (2017), spending areas of the fund could be said to 
aligned as the spending areas of the fund seeks to enhance the social and economic rights of PWDs. 
In comparison with assistance provided for PWDs in Kenya through the NCPWD, the prescribed 
spending areas of the fund is largely in line. In my opinion, the economic empowerment support 
in Kenya matches IGA in Ghana; educational support is similarly named in both countries; tools 
of trade in Kenya can be compared to apprenticeship support in Ghana. The obvious difference 
among both countries is the mode of fund disbursement as the Kenyan system mimics a centralized 
system because all applications are sent to the NCPWD while applications in Ghana are processed 
at the district level.  
The allocation of fund disbursement percentages (75% for IGA purposes; 10% for 
medical/assistive devices; 10% for educational support and 5% as administrative cost which 
includes monitoring and sitting allowances of committees) could be said to ensure that a huge 
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proportion of the fund is disbursed for IGA purposes which have a high tendency to make PWDs 
self-reliant.  
On a general basis, requests for IGA emerged as the topmost area of requests, suggesting that a 
number of PWDs require support largely in this area. With the exception of Shai Osudoku in 2019, 
remaining districts had IGA as their topmost need. This differing percentages of requests across 
the three major areas indicate the likelihood for some districts to encounter some difficulty in a 
bid to strictly meet the NCPD percentages for the three (3) main areas of spending. Moreover, this 
could be complicated by the urgency to meet the educational and medical needs of applicants. 
Neglecting educational support for instance could imply applicants staying out of school.  
In effect, there are differences in the frequency of needs presented by PWDs along the prescribed 
spending areas which necessitates differences in fund disbursement along prescribed spending 
areas.  
4.8.2 Beneficiary selection 
As with non-universal social protection programmes, some form of ‘targeting’ is required to 
enhance the identification of eligible individuals, households and groups, for the purposes of 
transferring resources or preferential access to social services (Devereux et al., 2015).  
Although, PWDs are expected to be beneficiaries of the fund, it is not given that every PWD will 
receive support from the fund, thereby requiring that targeting is applied to identify fund 
beneficiaries. Most importantly, PWDs who deem themselves eligible must apply for support 
under the fund through their respective MMDAs, specifically the DSWCD.  Social protection 
literature describes this process as self-selection or self-targeting. Nevertheless, not every PWD 
applicant gets to receive support from the fund within their years of application having established 
due to limited funds and delayed release of the fund from central government. As at November, 
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2021, 26% of 2019 applicants in Shai Osudoku; 50% of 2019 applicants within Tema; 68% of 
2020 applicants in Tema; and 54% of 2020 applicants in La Dade-kotopon were yet to receive 
support from the fund indicating that they may have sought required support elsewhere or their 
needs have still not been met. 
Owing to this, DFMCs have adopted measures to ensure that the fund is disbursed among persons 
who require them most. Regarding selection, the NCPD guide highlights preference for PWDs 
outside the formal sector of employment and fund disbursement along stipulated areas of spending. 
Additional selection criteria for fund beneficiaries uncovered by the study comprise the most 
vulnerable applicant, first-time beneficiaries and applicants whose forms are complete (with 
necessary forms of evidence). In determining the most vulnerable applicant, attention is paid to 
age, employment status and the urgency of requests.  
In the writings of Devereux and Kidd and Athias on social protection, one of the reasons behind 
targeting for social protection is to make the most efficient use of resources when faced with budget 
limits (Devereux et al., 2015, p. 7–8; Kidd & Athias, 2019, p. ii). Hence, rationale behind using 
the most vulnerable as a criterion for selecting fund beneficiaries is in line with social protection 
literature. Thus,  selection of most vulnerable applicant is consistent with the major objective of 
social protection which seeks to reduce vulnerability (Devereux & Sabates-Wheeler, 2004; Carter 
et al, 2019). DFMCs determine vulnerability though an interaction with applicants in the absence 
if standard questions guiding this interaction and a documentation of what transpired during their 
interaction. Literature on vulnerability provides standard measures and numerous ways by which 
vulnerability can be determined with respect to ‘targeting’ for social protection programmes. These 
include the Participatory Wealth/Well-being Ranking (PWR) and Modified Population Level 
Measures (Moret, 2014).  Undoubtedly, vulnerability is an appropriate way to determine eligibility 
of the disability fund for beneficiaries. Hence, for uniformity and objectivity purposes, it is 
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essential for a vulnerability assessment tool to be developed to determine which PWD applicant is 
more vulnerable and hence is eligible for support.  
Priority for first-time beneficiaries appears to be a rational means of selecting fund beneficiaries. 
This measure is to ensure that different applicants get a fair share of the fund. There are however 
exceptional instances where an applicant can benefit the second time in an ensuing year such as 
urgent medical and educational support over a period. Regarding this criterion for selection is the 
question on whether support provided for PWDs especially in the area of IGA is adequate in 
comparison to their request and hence the sustenance of their preferred IGA. Thus, should meagre 
amounts be disbursed for IGA, they may not be invested in the preferred IGA because of the gap 
between amount disbursed and the actual amount required. Such PWDs will then be left with no 
other option than requesting support from the fund in the ensuing year should other avenues of 
support prove futile. Key to addressing this limiting factor is the need to increase percentage of 
the DACF allocated for PWDs. The 2020 NDC manifesto recognized this need and communicated 
an intention to increase the amount beyond 3% (NDC manifesto, 2020; pp 79). An increase in the 
current allocation is likely to increase the number of PWDs who become beneficiaries of the fund 
as well as disbursed amounts. In effect, it is likely to positively impact their lives as revealed by 
studies conducted by Agboga (2015) and Ofosu (2017) and ultimately reducing the likelihood for 
them to be poor.  
Complete applications are a means of ensuring that the intended use of funds is supported by the 
requisite evidence. This selection criterion is applicable to requests for educational and medical 
support and are often in the form of ‘school or medical bills’ to establish existence of the need in 
question and provide a basis for amounts required by applicants. In Tema for instance, a respondent 
highlighted regular instances where applications are presented without required attachments which 
renders the application incomplete and less likely to receive support from the fund. The Tema 
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DSWCD indicated having embarked on some sensitizations to highlight procedures and 
requirements for fund requests among OPWDs, yet this challenge persists indicating the possibility 
that applicants who do not attach the necessary requirements are not members of OPWDs. Hence, 
the need for use of mass media and social gatherings to highlight requirements for the successful 
application for support.  
Chapter summary 
Chapter four comprised an analysis of data collected from the field and related discussions. 
Available data showed that the requests for IGA purposes dominated other approved areas of 
spending for the fund. In addition, neither of the participating districts could meet requests 
presented by PWD applicants in 2019 and 2020. In this regard, DFMCs consider three factors for 
the selection of beneficiaries as follows; most vulnerable applicant, first time applicant and 
completeness of applications.  
 
 
 
 
 
 
 
 
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Chapter 5 
Summary of Findings, Conclusion and Recommendations 
5.1 Introduction 
This chapter presents a summary of the study’s findings, conclusion and recommendations to 
address noted gaps.  
5.2 Summary  
The study successfully investigated the kinds of requests presented by PWDs to DFMCs and 
factors which influence the selection of fund beneficiaries within three MMDAs namely, Shai 
Osudoku district, La Dade-kotopon municipality and Tema metropolis. Application forms were 
assessed to derive data pertaining to the nature of applications presented to DFMCs. Key Informant 
Interviews were also conducted with DFMCs of participating districts to elicit information on 
influencing factors for beneficiary selection.   
The utmost reason behind fund requests were for IGA purposes compared with educational and 
medical reasons. Likened to John Rawls’ theory of social justice, the 3% disability fund is in 
tandem with his assumption that the concept of distributive justice is based on the concern to 
compensate individuals for their misfortunes and modify the distribution of goods and evils in 
society. Thus, persons with disabilities are supported with some resources to enhance their 
functioning – educational, medical and economic - in society. Again, three factors – most 
vulnerable applicant, first -time beneficiaries and completed application forms - were found to 
guide the selection of beneficiaries by DFMCs.  Compared with social protection literature on 
rationale behind targeting, which are “to direct programmes to those who will most benefit” 
(White, 2017, p. 145), to maximise poverty reduction; to ensure no one is ‘left behind’; to contain 
the costs of provision; and to make the most efficient use of resources when faced with budget 
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limits; or for political gains (Devereux et al., 2015, p. 7–8; Kidd & Athias, 2019, p. ii), factors 
guiding the selection of fund beneficiaries could be said to be satisfying a number of these.   
 
5.3 Conclusion 
The study uncovered that request by PWDs were in tandem with the spending areas outlined by 
PWDs with the IGA related requests as topmost ones in all participating MMDAs. This implies 
that should an appreciable number of these requests be granted with substantial amounts, a high 
number of PWDs are likely to be involved in economic activities which can lift them out of 
poverty.  
The study also revealed that no MMDA was able to meet needs of the entire number of applicants 
within its jurisdiction between 2018 and 2020. In this regard, three (3) selection criteria namely 
‘most vulnerable applicants’, first-time beneficiaries and completed application forms are applied 
at the different stages to aid beneficiary selection. In addition to the delayed release of funds from 
Central Government, DFMCs were also faced with the challenge of how to disburse limited funds 
among numerous applicants. For instance, while the Shai Osudoku district spread the fund thinly 
among many applicants, the La Dade-kotopon municipal and Tema metropolis disbursed 
substantial amounts among few applicants. 
Maximizing effect of the fund on beneficiaries requires a number of actions including its timely 
release from central government and an increase in its percentage from the current 3% of MMDAs 
share of the DACF.  
5.4 Recommendations 
The underlisted recommendations are provided in a bid to addressing noted gaps around 
applicants’ requests and the selection of beneficiaries. A number of recommendations require 
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actions of the NCPD because it is mandated by the Disability Act of 2006 to propose and evolve 
policies and strategies to enable Persons with Disabilities enter and participate in the mainstream 
of the national development processes (Disability Act, 2006). 
First, the NCPD should advocate increased percentage of the disability fund. Evidence from this 
study shows that the 3% DACF is inadequate to meeting the needs of all applicants within all three 
(3) participating districts. Due to this, some DFMCs tend to mitigate the situation by disbursing 
small amounts to many beneficiaries. This appears unsustainable because some applicants are 
unable to use funds for their intended purposes due to the meagre amounts disbursed and are 
compelled to re-apply for support in subsequent years for which they are unlikely to benefit. Since 
poor persons are more likely to be PWDs, I recommend that the NCPD champions an advocacy to 
increase quantum of the DACF for PWDs above the current 3%.  
 
Second, the NCPD should review allotted percentages of the fund disbursement. The NCPD 
directive of allocating 75% of the fund for IGA requests; 10% for educational requests and 10% 
for medical requests was difficult to be complied with in one district due to the number of presented 
requests for educational and medical purposes and their urgent nature. This directive should be 
revised with DFMCs given the leniency to decide based on the number of requests presented by 
applicants. The NCPD could also provide a formula to aid the determination of amounts to be 
disbursed along the three categories in line with presented applications.  
 
Third, the Government should ensure the timely disbursement of the disability fund. This 
recommendation is meant to ensure that the plight of PWDs is not exacerbated by delayed 
disbursement of the fund by Government. As of November 2021, DFMCs were yet to receive 
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funds for the last quarter of 2020 and all four quarters of 2021. Possibly, DFMCs are likely to not 
have disbursed funds to PWDs on their waiting lists for previous years and applicants between 
September 2020 to September 2021.  
 
Fourth, the NCPD should consider the development of vulnerability assessment to aid the selection 
of beneficiaries. It is well-known that the disability fund is inadequate to meeting the needs of 
PWDs and the NCPD guidelines does not provide adequate direction on the selection of 
beneficiaries in this instance. Vulnerability cannot be disputed as an appropriate qualifying 
criterion for the selection of beneficiaries amidst limited funds. While some defining elements of 
vulnerability have been adopted for the selection of beneficiaries, this is not documented to ensure 
consistency and objectivity. With its intense knowledge on PWD issues, the NCPD should 
spearhead the development of appropriate indicators to aid the objective and evidence-based 
determination of vulnerable PWDs to benefit from the fund.  
 
Finally, the National Council on Persons with Disabilities should stipulate measures to ensure 
quality data management on applicants. It emerged that while information on fund beneficiaries 
was well managed, perhaps to satisfy audit purposes, that of all applicants was poorly managed. 
Some districts could not tell the application dates of applicants while others claimed to have lost 
information on applicants from 2016 due to corrupted files or the change of Directors of DWCDs. 
Considering the essential link between research and public policies, it is essential that this 
information is readily available to support necessary revisions of the fund. Possibly, this database 
should capture, names and contact of applicants, dates of application, amounts requested, purpose 
for which funds are requested and other information deemed necessary. Information from this 
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database should be added to quarterly reports of DFMCs to ensure their availability following the 
transfer of staff.  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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