This study was based on the premise that disability is not inability. Provision of financial grants to persons living with disability is an important aspect towards their empowerment. The study was guided by the following objectives namely: to explore how literacy and vocational training affect repayment of government funds by members of CBOs; to examine effects of gender factors on repayment of government grants. Social model of disability informed this study. Social model posits that disability becomes a challenge when the society denies persons with disability opportunities to participate in social economic and political development. This study collected both qualitative and quantitative
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