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Socioeconomic And Indebtedness Related Impact Of Micro Credit In Bangladesh
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Book Synopsis Microfinance and Its Discontents by : Lamia Karim
Download or read book Microfinance and Its Discontents written by Lamia Karim and published by U of Minnesota Press. This book was released on 2011 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first feminist critique of the much-lauded microcredit process in Bangladesh.
Book Synopsis Fighting Poverty with Microcredit by : Shahidur R. Khandker
Download or read book Fighting Poverty with Microcredit written by Shahidur R. Khandker and published by Oxford University Press, USA. This book was released on 1998 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: With increasing assistance from the World Bank and other donors, microfinance is emerging as an instrument for reducing poverty and improving the poor's access to financial services in low-income countries. Providing the poor with access to financial services is one of many ways to help increase their incomes and productivity. In many countries, however, traditional financial institutions have failed to provide this service. Microcredit and cooperative programs fill this gap. They provide credit through social mechanisms such as group-based lending to reach the poor and other clients, including women, who lack access to formal financial institutions. Their purpose is to help the poor become self-employed and thus escape poverty. This book examines the experiences of the Grameen Bank, the Bangladesh Rural Advancement Committee, and the Bangladesh Rural Development Board's Rural Development Project-12 in order to quantify the potential and limitations of microcredit programs as an instrument for reducing poverty and delivering financial services to the poor. A copublication of the World Bank and Oxford University Press.
Book Synopsis The Micro-politics of Microcredit by : Mohammad Jasim Uddin
Download or read book The Micro-politics of Microcredit written by Mohammad Jasim Uddin and published by Routledge. This book was released on 2015-05-01 with total page 267 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microcredit has been seen in recent decades as having great potential for aiding development in poor developing countries, with Bangladesh being one of the countries which has pioneered microcredit and implemented it most widely. This book, based on extensive original research, explores how microcredit works in practice, and assesses its effectiveness. It discusses how microcredit, usually channelled through women, is often passed to the men of the family, a practice disapproved of by some, but regarded as acceptable by borrowers who have a communal approach to debt, rather than viewing debt as something held by single individuals. The book demonstrates how the rules around microcredit are often seem as irksome by the borrowers, how lenders often charge high rates of interest and work primarily to preserve their institutions, thereby going against the spirit of the microcredit movement, and how borrowers often end up on a downward spiral, deeper and deeper in debt. Overall, the book argues that although microcredit does much good, it also has many drawbacks.
Book Synopsis Inside Story of Microcredit in Bangladesh: An Empirical Investigation of the Role and Productivity by : Md. Mahmudul Alam
Download or read book Inside Story of Microcredit in Bangladesh: An Empirical Investigation of the Role and Productivity written by Md. Mahmudul Alam and published by LAP Lambert Academic Publishing. This book was released on 2011-01-01 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is no denying the fact that microcredit (MC) has been playing an important role in the movement for poverty alleviation. But by the same breath it is also a hard fact that it has serious limitations in terms of its delivery system, rules of repayment, interest rate charges, etc. These limitations made it largely fail to realize its potential and expected goals. A credible study on the productivity of MC was required to determine its actual interest paying capability. In the absence of any established economic justification, based on productivity, this exorbitantly high interest rate is found morally untenable and has become the primary target of criticism for its minimal or marginal achievements. As a result, recently the government rightfully fixed 27% as the maximum interest rate chargeable for microcredit (with effect from July 2011). However, we need not undermine the importance and efforts of the microcredit movement, both as an economic as well as a social institution, for the betterment of the poor in the society. We need not be selfish and miser to give the movement its due credit. MC should not be summarily viewed as unuseful and unsuccessful. It has been making some contributions to the betterment of the poor and it should be given the appreciation it deserves. But like many other researchers we are troubled by the contradicting attitudes of the microcredit providers toward the borrowers. In one hand they are concerned and committed to pull the poor out of poverty, on the other hand they are so harsh in the timely payment of repayment installments putting a blind eye to the sufferings of these poor borrowers. Therefore, MCs need to be more innovative to be able to serve and take care of the wellbeing of the critical group among the borrowers. We are also puzzled to see that in spite of the exorbitantly high interest rate charges and all other limitations, increasing number of these poor are borrowing credit from these MCIs. This surgical study on the inside story of microcredit in Bangladesh, using a rich data set developed through a survey of 555 sample borrowers from rural, semi-urban, and urban areas of all 7 administrative divisions of Bangladesh, is an effort to address these issues and find answers to these and other issues like its potentiality to become a growth tool in the third sector economy. To our own best assessment this study made three major contributions to MC literature: a) application of economic-profit counting method in economic productivity analysis, b) identification of the critically vulnerable group among the borrowers; and c) the revelation that MC is respected by the borrowers more as a social than economic institution. To them, microcredit has facilitated their social and political empowerments and safeguarded their social status. We are thankful to the sample micro borrowers for their sincere cooperation and responses in the operation of this research. We are equally thankful to the field investigators for their honest and untiring search for information. Lastly we are grateful to Professor Anisuzzaman Chowdhury of University of Western Sydney, Australia, and Senior Economic Affairs Officer, Department of Economic and Social Affairs, United Nations, New York, for writing a thoughtful foreword to this work.
Author :Md. Mahmudul Alam Publisher :Centre for Research and Publication at International Islamic University Chittagong (IIUC) ISBN 13 : Total Pages :93 pages Book Rating :4./5 ( download)
Book Synopsis Productivity and Efficiency Challenges of Microcredit Program in Bangladesh by : Md. Mahmudul Alam
Download or read book Productivity and Efficiency Challenges of Microcredit Program in Bangladesh written by Md. Mahmudul Alam and published by Centre for Research and Publication at International Islamic University Chittagong (IIUC). This book was released on 2013-01-01 with total page 93 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is no denying the fact that microcredit (MC) has been playing an important role in the movement for poverty alleviation. But by the same breath it is also a hard fact that it has serious limitations in terms of its delivery system, rules of repayment, interest rate charges, etc. These limitations made it largely fail to realize its potential and expected goals. A credible study on the productivity of MC was required to determine its actual interest/profit paying capability. In the absence of any established economic justification, based on productivity, this exorbitantly high interest rate is found morally untenable and has become the primary target of criticism for its minimal or marginal achievements. As a result, recently the government rightfully fixed 27% as the maximum interest rate chargeable for microcredit (with effect from July 2011). However, we need not undermine the importance and efforts of the microcredit movement, both as an economic as well as a social institution, for the betterment of the poor in the society. We need not be selfish and miser to give the movement its due credit. MC should not be summarily viewed as unuseful and unsuccessful. It has been making some contributions to the betterment of the poor and it should be given the appreciation it deserves. But like many other researchers we are troubled by the contradicting attitudes of the microcredit providers toward the borrowers. In one hand they are concerned and committed to pull the poor out of poverty, on the other hand they are so harsh in the timely payment of repayment installments putting a blind eye to the sufferings of these poor borrowers. Therefore, MCIs need to be more innovative to be able to serve and take care of the wellbeing of the critical group among the borrowers. We are also puzzled to see that in spite of the exorbitantly high interest rate charges and all other limitations, increasing number of these poor are borrowing credit from these MCIs. This surgical study on the inside view of microcredit in Bangladesh, using a rich data set developed through a survey of 555 sample borrowers from rural, semi-urban, and urban areas of all 7 administrative divisions of Bangladesh, is an effort to address these issues and find answers to these and other questions like its potentiality to become a growth tool in the third sector economy. To our own best assessment this study made three major contributions to microcredit literature: a) application of economic-profit counting method in economic productivity analysis, b) identification of the critically vulnerable group among the borrowers; and c) the revelation that microcredit is respected by the borrowers more as a social than economic institution. To them, microcredit has facilitated their social and political empowerments and safeguarded their social status. An additional feature of this monograph is that it includes a chapter reflecting on the status of Islamic microcredit in the country. We are thankful to the sample micro borrowers for their sincere cooperation and responses in the operation of this research. We are equally thankful to the field investigators for their honest and untiring search for information. We are thankful to Professor Dr. Abu Bakr Rafique Ahmed, Pro Vice-Chancellor of International Islamic University Chittagong, Bangladesh for his most valuable suggestion to include in the book a separate chapter on Islamic microfinance. This chapter has certainly enhanced the focus of the monograph. Lastly we are grateful to Professor Dr. Anisuzzaman Chowdhury of University of Western Sydney, Australia, and Senior Economic Affairs Officer, Department of Economic and Social Affairs, United Nations, New York, for writing a thoughtful foreword to this work.
Book Synopsis Microfinance and Poverty by : Shahidur R. Khandker
Download or read book Microfinance and Poverty written by Shahidur R. Khandker and published by . This book was released on 2005 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Socioeconomic and Indebtedness Related Impact of Micro Credit in Bangladesh by : Qazi Kholiquzzaman Ahmad
Download or read book Socioeconomic and Indebtedness Related Impact of Micro Credit in Bangladesh written by Qazi Kholiquzzaman Ahmad and published by . This book was released on 2007 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Transforming Bangladesh by : Raquib Ahmed
Download or read book Transforming Bangladesh written by Raquib Ahmed and published by Springer Nature. This book was released on 2023-12-16 with total page 172 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on the transformation of Bangladesh in respect to its people, geography, economy and environment. The authors discuss current problems such as vulnerability caused by environmental degradation in Bangladesh but also opportunities of this rapidly changing country. The book explains how the country is rapidly transforming from a rural subsistence agrarian based economic system to a new economic partner contributing to global processes. Bangladesh is presented as an example for the changes in the Global South, where a mismatch is often observed in linking resources and activities with environmental sustainability, possibly due to insufficient base-line knowledge. As faster growth is marginalizing resources to increase the GDP, the sustainability of resource exploitation is being questioned. The authors describe the vulnerable situation caused by possible sea-level rise, soil degradation, biodiversity loss, climate extremities, urbanization, and population displacement. This volume offers comprehensive knowledge about the geography and environment of Bangladesh and aims to help readers further investigate the issues and work on solutions. The book appeals to academics, professionals and students at all levels interested in Bangladesh as well as environmental problems and geographical issues in a rapidly transforming country.
Author :Md. Mahmudul Alam Publisher :LAP Lambert Academic Publishing AG & Co. KG ISBN 13 :3838330447 Total Pages :53 pages Book Rating :4.8/5 (383 download)
Book Synopsis Microentrepreneurship Development in Bangladesh: Achievements and Shortcomings by : Md. Mahmudul Alam
Download or read book Microentrepreneurship Development in Bangladesh: Achievements and Shortcomings written by Md. Mahmudul Alam and published by LAP Lambert Academic Publishing AG & Co. KG. This book was released on 2010-01-01 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt: Micro-entrepreneurial activities play a pivotal role in rural economic development in the third world countries. As a result, in Bangladesh poverty alleviation through rural centric micro-entrepreneurship development has been focused for more than thirty five years. Over 600 registered and thousands unregistered microcredit organizations including globally prominent institutions like Grameen Bank, BRAC, ASA, BARD, ActionAid, CARE etc. are operating here with their own reputed models. However, the micro-entrepreneurship development and its achievements in the country are still lagging behind a satisfactory level due to a number of prevailing factors. This book examines its major achievements and shortcomings from the perspectives of the structured institutions, non-structured institutions, and non-institutional factors, and government’s policy guidelines influencing development of micro-entrepreneurship, and makes recommendations for overcoming the shortcomings.
Book Synopsis The Handbook Of Microfinance by : Beatriz Armendariz
Download or read book The Handbook Of Microfinance written by Beatriz Armendariz and published by World Scientific. This book was released on 2011-04-28 with total page 700 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Handbook of Microfinance showcases an expansive collection of works from leading academics and field practitioners. In an attempt to understand the enormous gap between the limited number of clients that are currently benefiting from microfinance services, and the huge number of potential clients that are not, the selected contributions in this comprehensive handbook have one common thread: the prevailing mismatch between demand by clients of microfinance institutions and potential clients selecting themselves out for their demand for a wider array of financial products which is not being met.The scope of the book is wide, and explores successes and failures, main challenges and debates, methodologies for impact evaluation via random trials, leading trends in Asia versus Latin America, main efforts in Africa, the importance of value chains in Central America, ethical and gender issues, savings, microinsurance, governance, commercialization trends and the potential advantages and disadvantages of it. This exhaustive Handbook also features main lessons from informal finance and 19th-century credit cooperatives addressing the above-mentioned mismatch.
Book Synopsis Microfinance and Poverty by : Hege Gulli
Download or read book Microfinance and Poverty written by Hege Gulli and published by IDB. This book was released on 1998 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Cooperatives and Local Development by : Silvio Goglio
Download or read book Financial Cooperatives and Local Development written by Silvio Goglio and published by Routledge. This book was released on 2013-05-02 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the opportunities opened up for financial cooperatives by the recent financial crisis, and explores the role of these institutions in promoting and sustaining local development. The global financial crisis has not only shown the limits of the mainstream theory of markets and rational expectations, but has also generated a great deal of disillusionment with the banking system and underlined the importance of a healthy society for the welfare of the individual. Consequently, new and innovative ways of providing finance are needed, especially for strengthening the development of local societies.
Book Synopsis Microfinance Handbook by : Joanna Ledgerwood
Download or read book Microfinance Handbook written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 1998-12-01 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.
Book Synopsis Routledge Handbook of Contemporary Bangladesh by : Ali Riaz
Download or read book Routledge Handbook of Contemporary Bangladesh written by Ali Riaz and published by Routledge. This book was released on 2016-01-29 with total page 469 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the past decade, Bangladesh has achieved significant social and economic progress. Despite high population density, a limited natural-resource base, underdeveloped infrastructure, frequent natural disasters and political uncertainty, the country has recorded positive developments in terms of broad economic and social indicators. This Handbook presents a comprehensive and interdisciplinary resource on the politics, society and economy of Bangladesh today. Divided into six thematic sections, the Handbook focuses on relevant issues and trends on: History and the making of contemporary Bangladesh Politics and institutions Economy and development Energy and environment State, society and rights Security and external relations Written by a team of international experts in the field, the chapters provide an accessible and up-to-date insight into contemporary Bangladesh. The Handbook will be of interest to students and academics of South Asian studies, as well as policymakers, journalists and others who wish to learn more about this increasingly important country.
Book Synopsis Microfinance, Debt and Over-Indebtedness by : Isabelle Guérin
Download or read book Microfinance, Debt and Over-Indebtedness written by Isabelle Guérin and published by Routledge. This book was released on 2013-10-15 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although microcredit programmes have long been considered efficient development tools, many forms of debt-induced distress have emerged in their wake. This has brought to light the problem of over-indebtedness, a topic which has been previously underexplored in the literature. This new book, from a group of leading scholars, explores the manifestations, scale, and economic and social implications of household over-indebtedness in areas conventionally considered as financially excluded. The book approaches debt not only as a financial transaction, but also as a form of social bond, and offers a socioeconomic analysis of over-indebtedness. The volume puts forward a broad definition of over-indebtedness, highlighting its situational and semantic complexity and diversity. It provides a close analysis of local conceptions of debt and over-indebtedness, highlighting frameworks of calculation and the constant renegotiation of their boundaries. On top of this, it looks far beyond microcredit to examine all the financial practices that individuals juggle. The volume argues that over-indebtedness has more to do with social inequalities than financial illiteracy, and should therefore be understood in the light of global trends of financialization. It also reveals the ambiguity of "financial inclusion" policies, and in many respects questions the actions of new credit providers. This book will be valuable reading for students, researchers and policy makers interested in microfinance and development issues.
Book Synopsis Partnership for Development by : Nilufa Akhter Khanom
Download or read book Partnership for Development written by Nilufa Akhter Khanom and published by Cambridge Scholars Publishing. This book was released on 2013-01-15 with total page 301 pages. Available in PDF, EPUB and Kindle. Book excerpt: Poverty has been identified as one of the world’s biggest problems. The international community recognises that reducing global poverty is one of the major development challenges of the twenty-first century. The problem of poverty is particularly severe in Bangladesh, where a variety of poverty alleviation initiatives have been tried. The most recent one involves Public Private Partnerships (PPPs), which are collaborations between partners in different sectors. PPPs are assumed to be effective for reducing poverty as they are seen to optimise the use of scarce resources, promote economic growth, and enhance efficiency. The Government of Bangladesh has recognised the use of PPPs as an innovative and effective approach for poverty alleviation in Bangladesh. Partnership for Development addresses this major policy issue by examining the novel arrangements of PPPs to determine how this approach can assist in alleviating poverty. This book explores different PPP arrangements for poverty alleviation in Bangladesh and evaluates their performance and effects. It identifies opportunities and constraints affecting these PPPs. It utilises the multiple-case study methodology, examining two cases, namely, the Income Generation for Vulnerable Group Development (IGVGD) and Rural Micro Credit (RMC) PPPs that have been introduced in Bangladesh as poverty alleviation measures. The book also identifies the rationale, features and mechanisms of the IGVGD and RMC PPPs using interviews with key persons who were involved in the policy making, and in the design and implementation of the PPPs. Different stakeholders were asked about the effects of the PPPs and suggestions for their improvement. The beneficiaries were also asked about the economic and social changes to their lives as a result of the PPPs. A model of PPPs for poverty alleviation is developed from the literature on the subject and then used to analyse the data from the Bangladesh case studies.
Book Synopsis Finance Against Poverty: Volume 1 by : Hulme David
Download or read book Finance Against Poverty: Volume 1 written by Hulme David and published by Routledge. This book was released on 2005-08-12 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: In two volumes these books review and expand the theory that poverty in the world's poorest regions could be alleviated by providing small loans to micro-entrepreneurs. Volume 1 provides detailed analysis of this theory and offers policy recommendations for practitioners in this field. Volume 2 presents empirical evidence drawn from comparative experiences in seven developing countries. The work assesses the success of this policy and provides some startling conclusions. This is essential reading for all those interested in development, poverty-reduction, social welfare and finance.
