Livelihood Component of the CBR Matrix
Meaning
The livelihood component of Community-Based Rehabilitation helps persons with disabilities obtain the skills, opportunities, income, financial support, and social security needed to live with dignity and participate economically in family and community life.
Its goal is that persons with disabilities can:
- earn an adequate income
- reduce dependence and poverty
- choose work suited to their interests and abilities
- contribute to household and community life
- access social-security and financial-support systems on an equal basis
The WHO defines the role of CBR here as facilitating access to skills, livelihood opportunities, fuller community participation, and self-fulfilment. The component is not limited to getting a job. It includes skills, self-employment, paid work, financial inclusion, and social protection. See the
WHO livelihood component.
Five elements
| Element | Main purpose |
|---|
| 1. Skills development | Builds abilities needed to obtain, perform, and retain work |
| 2. Self-employment | Supports an individual or group to run an income-generating activity |
| 3. Wage employment | Promotes access to paid employment with an employer |
| 4. Financial services | Ensures access to savings, credit, insurance, and financial systems |
| 5. Social protection | Provides income security and support when work or income is insufficient |
1. Skills development
Definition
Skills development means providing persons with disabilities the abilities required for work, self-employment, and independent economic participation.
WHO identifies four broad categories:
-
Foundation skills
Literacy, numeracy, communication, basic digital skills, problem solving, and time management.
-
Technical and professional skills
Skills directly related to a trade or occupation, for example tailoring, computer work, farming, carpentry, food processing, repair work, bookkeeping, or nursing assistance.
-
Business-management skills
Budgeting, pricing, record keeping, marketing, customer care, stock management, and planning.
-
Core life skills
Confidence, decision-making, teamwork, negotiation, self-advocacy, mobility, workplace behavior, and communication.
Training can occur through:
- family and home-based learning
- mainstream schools and vocational centres
- community apprenticeships
- on-the-job training
- self-help groups
- accessible digital learning
- disability-specific rehabilitation or orientation programmes when needed
Role of CBR workers
CBR workers should:
- assess the person’s interests, strengths, functional needs, and local work opportunities
- identify barriers such as inaccessible buildings, transport, communication barriers, or discrimination
- refer to inclusive vocational-training institutions
- make training materials, teaching methods, and environments accessible
- link people to employers, apprentices, trainers, and community mentors
- provide follow-up after training to determine whether skills are resulting in employment or income
Example
A young adult with hearing impairment wants to work in graphic design. A CBR programme may arrange computer training with sign-language support, assist with a portfolio, connect the person with a local design business, and support communication with the employer.
Advantages
- Improves employability, productivity, confidence, and independence.
- Makes it easier to enter either self-employment or wage employment.
- Can prevent people from being restricted to low-paid work solely because of disability-related exclusion.
- Skills such as literacy, communication, and financial management help in many areas of life, not only work.
- Community apprenticeships can be less expensive and more locally relevant than distant institutional training.
- Training can be adapted to the individual and local market demand.
Disadvantages and limitations
- Training may not lead to a job if local employment opportunities are scarce.
- Some programmes train people in traditional occupations without checking whether there is market demand.
- Vocational centres may be physically inaccessible or lack teachers able to include persons with sensory, intellectual, or psychosocial disabilities.
- Women and girls with disabilities may have less access because of family duties, safety concerns, stigma, or gender discrimination.
- Short courses without practical placement, employer links, or follow-up often have limited impact.
- Training costs, travel costs, assistive technology, and communication support may be unaffordable.
Good practice
Training should be based on:
- the person’s own choice,
- realistic local market opportunities,
- accessibility and reasonable accommodation,
- links to job placement, credit, or enterprise support,
- post-training follow-up.
2. Self-employment
Definition
Self-employment means income-generating work owned, operated, and managed by an individual or group. It can be formal or informal, part-time or full-time, rural or urban.
Examples include:
- farming, poultry, dairy, fish rearing, or vegetable cultivation
- tailoring, embroidery, weaving, crafts, or repair work
- food preparation or small catering services
- mobile-phone repair or computer services
- petty trade or retail shop
- beauty services
- transport-related services
- group enterprises or cooperatives
WHO notes that self-employment is often a major livelihood option in low-income settings because formal wage jobs may be limited and employers may discriminate against persons with disabilities. The
WHO self-employment guidance stresses access to training, financial resources, materials, and family or community support.
Role of CBR workers
A CBR programme can:
- identify viable local business opportunities
- assess the person’s interest, skills, financial situation, and support needs
- arrange vocational and basic business training
- support preparation of a small business plan
- help access tools, raw materials, accessible workspaces, and market information
- link the person with microfinance, savings groups, cooperatives, or grants
- facilitate family and community support
- help groups of persons with disabilities form cooperatives or collective enterprises
- provide mentoring and follow-up to improve business survival
Example
A woman with a physical disability has tailoring skills but lacks a sewing machine and customers. The CBR team links her to a savings group, assists in obtaining an adapted sewing table, helps develop a pricing and marketing plan, and connects her to local school-uniform orders.
Advantages
- Offers flexibility in work hours, location, pace, and task design.
- Can be suitable for people who face mobility barriers or cannot travel daily to a workplace.
- May allow home-based work for people with severe disability or care responsibilities.
- Can build confidence, autonomy, and social standing within the family.
- Group enterprises can spread costs and reduce isolation.
- It may be more available than formal employment in rural and low-income settings.
- Income-generating activity can benefit the entire household.
Disadvantages and limitations
- Income can be uncertain, seasonal, and low.
- The person bears financial risk, including loss of stock, debt, or business failure.
- Lack of start-up capital, collateral, market connections, and transport is common.
- Businesses may fail if programmes provide loans or equipment without training, market assessment, and mentorship.
- Home-based work can sometimes reinforce isolation instead of community inclusion.
- Women with disabilities may face additional barriers from unpaid domestic work, restricted mobility, limited ownership of property, and social norms.
- Many self-employed workers remain outside labour protections, health insurance, pension schemes, and stable social security.
Good practice
Do not assume that every person with a disability should start a small business. Self-employment should be a choice, not a substitute for inclusive wage employment. It should be supported by market research, skills training, accessible finance, mentoring, and periodic review.
3. Wage employment
Definition
Wage employment is paid work performed for another person, organization, or enterprise under a formal or informal contract.
It includes:
- government jobs
- private-sector jobs
- factory, office, shop, school, hospital, or service work
- agricultural labour
- supported employment
- apprenticeships that lead to paid work
- formal and informal sector employment
The desired outcome is not merely any job. It is decent work: fair pay, safe conditions, dignity, equal opportunity, reasonable accommodation, protection from harassment, and opportunity for advancement.
Barriers faced by persons with disabilities
Common barriers include:
- negative employer attitudes and assumptions about productivity
- inaccessible workplaces, toilets, transport, entrances, tools, and communication
- lack of accessible education or vocational qualifications
- inaccessible recruitment tests and interviews
- lack of assistive devices or personal support
- exclusion of women with disabilities
- fear that employment will cause loss of disability benefits
- discrimination in salary, promotion, or job allocation
Role of CBR workers
CBR programmes can:
- identify persons who want wage employment
- help create a vocational profile and curriculum vitae
- provide job-readiness, interview, communication, and workplace skills
- link candidates to job-search services and employers
- advocate for accessible recruitment and reasonable accommodation
- educate employers about disability inclusion
- arrange job coaching, peer support, and workplace orientation
- support return to work after illness, injury, or rehabilitation
- follow up with both the worker and employer to help retain employment
Reasonable accommodation
Reasonable accommodation means practical changes that allow a person with disability to perform the job. Examples include:
- ramps, accessible toilets, seating, or adapted workstations
- screen readers, magnifiers, speech-to-text tools, or Braille materials
- sign-language interpretation or written communication support
- flexible timing for medical appointments or fatigue management
- modified task allocation where appropriate
- clear instructions and structured support for people with intellectual or psychosocial disabilities
Example
A person with visual impairment is selected for a customer-service job. The employer provides screen-reader software, accessible digital forms, and orientation to the workplace. The CBR worker supports the employer and worker during the initial period.
Advantages
- Provides relatively predictable income compared with many informal enterprises.
- May offer career progression, skill development, social interaction, and professional identity.
- Can include benefits such as paid leave, insurance, pension, and occupational safety protection.
- Promotes everyday inclusion by working alongside non-disabled colleagues.
- Helps challenge community stereotypes about disability and work capacity.
- Reduces social isolation and improves self-esteem.
Disadvantages and limitations
- Jobs may be scarce, especially in rural areas and low-income economies.
- Formal work may require educational qualifications that people with disabilities have historically been denied.
- Recruitment and workplaces can remain inaccessible even where laws prohibit discrimination.
- Some jobs may be poorly paid, insecure, unsafe, or exploitative.
- Lack of transport or personal assistance can make daily attendance difficult.
- Employers may hire persons with disabilities only for low-status jobs or use token hiring without genuine inclusion.
- Failure to provide accommodations can cause job loss, stress, low productivity, or workplace exclusion.
Good practice
Employment programmes should prioritize:
- open, competitive, integrated work where desired by the person
- fair pay equal to that of others doing similar work
- accessible recruitment and workplaces
- support for job retention and promotion, not just initial placement
- employer accountability for discrimination and harassment
4. Financial services
Definition
Financial services enable persons with disabilities and their families to manage money, obtain capital, and protect themselves against financial shocks.
They include:
- savings accounts
- savings and loan groups
- microcredit or business loans
- grants for start-up tools or business inputs
- insurance, including health, life, crop, or disability-related insurance
- payment systems, bank accounts, mobile banking, and digital payments
- financial literacy and debt-management support
Why it matters
Persons with disabilities may be excluded from finance because they:
- have low or irregular income
- lack legal identification or documents
- do not own property used as collateral
- live far from banks
- face inaccessible buildings or websites
- cannot access information in sign language, Braille, simple language, or accessible formats
- are wrongly viewed as high-risk borrowers
- are excluded by gender, poverty, or family control of money
Role of CBR workers
CBR programmes can:
- provide financial-literacy education
- link people to banks, cooperatives, self-help groups, and microfinance programmes
- advocate for accessible banks, ATMs, forms, digital services, and customer support
- support people to obtain documents needed for bank accounts or benefits
- help form savings groups
- reduce risk by combining finance with business planning, skills training, and mentorship
- ensure that women and persons with intellectual, psychosocial, sensory, or severe physical disabilities are not excluded
Example
A group of persons with disabilities forms a savings-and-loan association. Members deposit small amounts regularly and can borrow for tools, education, transport, health needs, or small enterprises at agreed terms.
Advantages
- Provides capital to start or expand income-generating work.
- Savings improve resilience during illness, crop failure, job loss, or emergencies.
- Financial literacy can reduce exploitation and poor borrowing decisions.
- Inclusion in formal banking can improve autonomy and control over personal income.
- Group savings models can create mutual support and social participation.
- Insurance and savings may prevent a health event from pushing a family deeper into poverty.
Disadvantages and limitations
- Loans can create debt if the business idea is weak or income is unstable.
- High interest rates, rigid repayment schedules, or hidden charges can worsen poverty.
- Microcredit alone does not solve discrimination, inaccessible markets, or lack of skills.
- Families may control the funds of women or persons with disabilities, reducing their autonomy.
- Digital financial systems can exclude people without phones, literacy, internet access, or accessible technology.
- Financial institutions may continue to demand collateral or discriminate against persons with disabilities.
Good practice
Finance should be paired with:
- informed consent and clear loan terms
- financial and business training
- market assessment
- accessible information and services
- protection against predatory lending
- grants or social protection for people for whom debt is unsafe or inappropriate
5. Social protection
Definition
Social protection consists of policies and programmes that prevent or reduce poverty, vulnerability, and social exclusion. It is especially important for persons whose disability, health condition, age, care needs, or labour-market barriers limit their ability to earn a sufficient income.
It may include:
- disability pensions or allowances
- old-age pensions
- unemployment benefits
- cash transfers
- food, housing, transport, education, or energy support
- fee waivers for health care and rehabilitation
- health insurance
- maternity and child support
- caregiver support
- public works programmes
- vocational-rehabilitation and return-to-work support
Why it matters
Not every person can work full time or earn enough through employment. Some may have fluctuating conditions, severe support needs, chronic illness, or barriers that cannot be removed quickly. Social protection is therefore a right and safety net, not charity.
It can help pay for:
- food and housing
- assistive devices
- medicines, rehabilitation, and health care
- transport to school, therapy, or work
- personal assistance or caregiving
- education and training costs
Role of CBR workers
CBR programmes can:
- identify eligible persons and households
- provide information about benefits in accessible language and formats
- assist with disability certificates, identity documents, birth registration, and applications
- support appeals when valid claims are denied
- advocate for accessible registration systems and non-discriminatory eligibility criteria
- monitor whether people actually receive benefits
- help families use benefits to strengthen long-term livelihood, when appropriate
- prevent exploitation or diversion of benefits by others
Example
A person with spinal cord injury receives a disability allowance and accessible public-transport support. This makes it possible to attend vocational training and later take a part-time job. The benefit provides income security while work participation grows.
Advantages
- Prevents extreme poverty and food insecurity.
- Gives income security when work is unavailable or impossible.
- Helps meet disability-related extra costs, such as transport, personal assistance, assistive devices, and health care.
- Can enable school attendance, training, job seeking, and participation in community life.
- Reduces financial pressure on families and caregivers.
- Protects dignity and reduces harmful dependence on charity.
Disadvantages and limitations
- Benefit amounts may be too low to cover basic living and disability-related costs.
- Eligibility procedures can be complex, expensive, distant, inaccessible, or stigmatizing.
- People in informal work may be excluded from employment-linked social insurance.
- Benefits may be delayed, irregular, vulnerable to corruption, or poorly targeted.
- In some systems, people fear losing benefits if they accept paid work, creating a work disincentive.
- Cash support alone cannot remove barriers such as inaccessible transport, discrimination, or lack of services.
- Families may misuse or control benefits intended for the person with disability.
Good practice
A sound system should provide adequate, predictable, accessible, non-discriminatory support and should allow people to take up work without suddenly losing all benefits. Social protection should work alongside rehabilitation, education, accessible transport, skills training, and employment inclusion.
Advantages of the Livelihood Component as a Whole
-
Reduces poverty and dependency
It addresses the economic effects of disability on both the individual and family.
-
Promotes dignity and autonomy
Earning, managing money, and making work choices increase control over one's life.
-
Improves social inclusion
Work, training, business participation, and financial inclusion create regular contact with the community.
-
Challenges stigma
Seeing persons with disabilities as skilled workers, business owners, and contributors can change negative attitudes.
-
Benefits families and communities
Income earned by a person with disability can support education, nutrition, housing, and local economic activity.
-
Recognizes different pathways
It does not assume that everyone needs the same type of job. People may choose training, paid employment, enterprise, financial support, or a mixture.
-
Links economic and social rights
It connects livelihood with equal access, reasonable accommodation, financial inclusion, and social protection.
Limitations of the Livelihood Component as a Whole
-
Economic conditions matter
A CBR programme cannot create sufficient jobs where local markets are weak or unemployment is high.
-
Discrimination may persist
Training alone cannot overcome employer prejudice, inaccessible workplaces, and exclusionary laws or policies.
-
Needs coordination across sectors
Health, education, transport, labour, welfare, banking, local government, and disability organizations must work together. This is difficult in resource-constrained areas.
-
Risk of inappropriate livelihood choices
Giving the same low-income activity, such as tailoring or craftwork, to every person can saturate local markets and ignore personal preferences.
-
Unequal access within disability groups
Women, rural residents, people with intellectual or psychosocial disabilities, people with severe impairments, and people from poor households may require additional support.
-
Outcomes can be hard to sustain
Initial training or grants may not lead to long-term income without continuing market access, mentoring, reasonable accommodation, and financial safety nets.
-
Evidence on specific programme models is variable
Livelihood interventions are often multi-component and context-specific. A systematic review described interventions across vocational training, access to workplaces, job placement, credit, savings, and social protection, but programmes and outcome measures varied substantially. This means local monitoring is necessary rather than assuming one model will work everywhere. See the
systematic review of livelihood interventions.
Exam-ready conclusion
The livelihood component of the CBR matrix aims to ensure that persons with disabilities can earn an income, access financial resources, and receive social protection for a dignified life. Its five elements are:
Skills development, self-employment, wage employment, financial services, and social protection.
Its success depends on personal choice, accessible training, equal employment opportunities, reasonable workplace accommodation, inclusive financial systems, adequate social security, family and community participation, and removal of discrimination.