The Crises Of Microcredit

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The Crises of Microcredit

Author : Isabelle Guérin
Publisher : Zed Books Ltd.
ISBN 13 : 1783603771
Total Pages : 192 pages
Book Rating : 4.7/5 (836 download)

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Book Synopsis The Crises of Microcredit by : Isabelle Guérin

Download or read book The Crises of Microcredit written by Isabelle Guérin and published by Zed Books Ltd.. This book was released on 2015-10-15 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microcredit programmes, long considered efficient development tools, now face unprecedented crises in a number of countries. Is this the end of microcredit or rather an essential step in its expansion? Should we stop microcredit altogether or rethink the way it is implemented? Drawing on extensive empirical research conducted in various parts of the world - from Morocco to Senegal to India - this important volume examines the whole chain of microcredit to provide the answers to these questions. In doing so, the authors highlight the diversity of crises, both in intensity and in nature, while also shedding light on a diversity of causes, be it microcredit organizations unprepared for massive growth, saturated local economies or greedy investors and shareholders attracted by profits. Crucially, the authors demonstrate that microcredit is not a monolithic project, and the crises should also be analysed in the light of national histories and policies. An original and necessary intervention in what has become one of the most contentious topics within the development world.

The Rise and Fall of Global Microcredit

Author : Milford Bateman
Publisher : Routledge
ISBN 13 : 135185688X
Total Pages : 325 pages
Book Rating : 4.3/5 (518 download)

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Book Synopsis The Rise and Fall of Global Microcredit by : Milford Bateman

Download or read book The Rise and Fall of Global Microcredit written by Milford Bateman and published by Routledge. This book was released on 2018-10-09 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the mid-1980s the international development community helped launch what was to quickly become one of the most popular poverty reduction and local economic development policies of all time. Microcredit, the system of disbursing tiny micro-loans to the poor to help them to establish their own income-generating activities, was initially highly praised and some were even led to believe that it would end poverty as we know it. But in recent years the microcredit model has been subject to growing scrutiny and often intense criticism. The Rise and Fall of Global Microcredit shines a light on many of the fundamental problems surrounding microcredit, in particular, the short- and long-term impacts of dramatically rising levels of microdebt. Developed in collaboration with UNCTAD, this book covers the general policy implications of adverse microcredit impacts, as well as gathering together country-specific case studies from around the world to illustrate the real dynamics, incentives and end results. Lively and provocative, The Rise and Fall of Global Microcredit is an accessible guide for students, academics, policymakers and development professionals alike.

Why Doesn't Microfinance Work?

Author : Milford Bateman
Publisher : Zed Books Ltd.
ISBN 13 : 1848138954
Total Pages : 261 pages
Book Rating : 4.8/5 (481 download)

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Book Synopsis Why Doesn't Microfinance Work? by : Milford Bateman

Download or read book Why Doesn't Microfinance Work? written by Milford Bateman and published by Zed Books Ltd.. This book was released on 2010-06-10 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since its emergence in the 1970s, microfinance has risen to become one of the most high-profile policies to address poverty in developing and transition countries. It is beloved of rock stars, movie stars, royalty, high-profile politicians and ‘troubleshooting’ economists. In this provocative and controversial analysis, Milford Bateman reveals that microfinance doesn’t actually work. In fact, the case for it has been largely built on hype, on egregious half-truths and – latterly – on the Wall Street-style greed of those promoting and working in microfinance. Using a multitude of case studies, from India to Cambodia, Bolivia to Uganda, Serbia to Mexico, Bateman demonstrates that microfi nance actually constitutes a major barrier to sustainable economic and social development, and thus also to sustainable poverty reduction. As developing and transition countries attempt to repair the devastation wrought by the global financial crisis, Why Doesn’t Microfinance Work? argues forcefully that the role of microfinance in development policy urgently needs to be reconsidered.

A Microcredit Crisis Averted

Author : Greg Chen
Publisher :
ISBN 13 : 9781626960169
Total Pages : 20 pages
Book Rating : 4.9/5 (61 download)

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Book Synopsis A Microcredit Crisis Averted by : Greg Chen

Download or read book A Microcredit Crisis Averted written by Greg Chen and published by . This book was released on 2013-07-15 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Beyond Micro-credit

Author : Thomas Fisher
Publisher : Oxfam
ISBN 13 : 9780855984885
Total Pages : 396 pages
Book Rating : 4.9/5 (848 download)

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Book Synopsis Beyond Micro-credit by : Thomas Fisher

Download or read book Beyond Micro-credit written by Thomas Fisher and published by Oxfam. This book was released on 2002 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt: Beyond Micro-Credit sets out how Indian Micro-Finance Initiatives are combining micro-finance with a wide range of development goals, these include not only poverty alleviation through providing savings, credit and insurance services but also promoting livelihoods, empowering women, building people's organizations and changing institutions.

Microfinance, Debt and Over-Indebtedness

Author : Isabelle Guérin
Publisher : Routledge
ISBN 13 : 1135047596
Total Pages : 337 pages
Book Rating : 4.1/5 (35 download)

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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.

The Political Economy of Microfinance

Author : Philip Mader
Publisher : Springer
ISBN 13 : 1137364211
Total Pages : 284 pages
Book Rating : 4.1/5 (373 download)

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Book Synopsis The Political Economy of Microfinance by : Philip Mader

Download or read book The Political Economy of Microfinance written by Philip Mader and published by Springer. This book was released on 2016-01-12 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: According to the author, rather than alleviating poverty, microfinance financialises poverty. By indebting poor people in the Global South, it drives financial expansion and opens new lands of opportunity for the crisis-ridden global capital markets. This book raises fundamental concerns about this widely-celebrated tool for social development.

Due Diligence

Author : David Roodman
Publisher : CGD Books
ISBN 13 : 1933286539
Total Pages : 388 pages
Book Rating : 4.9/5 (332 download)

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Book Synopsis Due Diligence by : David Roodman

Download or read book Due Diligence written by David Roodman and published by CGD Books. This book was released on 2012 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: The idea that small loans can help poor families build businesses and exit poverty has blossomed into a global movement. The concept has captured the public imagination, drawn in billions of dollars, reached millions of customers, and garnered a Nobel Prize. Radical in its suggestion that the poor are creditworthy and conservative in its insistence on individual accountability, the idea has expanded beyond credit into savings, insurance, and money transfers, earning the name microfinance. But is it the boon so many think it is? Readers of David Roodman's openbook blog will immediately recognize his thorough, straightforward, and trenchant analysis. Due Diligence, written entirely in public with input from readers, probes the truth about microfinance to guide governments, foundations, investors, and private citizens who support financial services for poor people. In particular, it explains the need to deemphasize microcredit in favor of other financial services for the poor.

The Future of Microfinance

Author : Ira W. Lieberman
Publisher : Brookings Institution Press
ISBN 13 : 0815737645
Total Pages : 493 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis The Future of Microfinance by : Ira W. Lieberman

Download or read book The Future of Microfinance written by Ira W. Lieberman and published by Brookings Institution Press. This book was released on 2020-06-30 with total page 493 pages. Available in PDF, EPUB and Kindle. Book excerpt: A major source of financing for the poor and no longer a niche industry Over the past four decades, microfinance—the provision of loans, savings, and insurance to small businesses and entrepreneurs shut out of traditional capital markets—has grown from a niche service in Bangladesh and a few other countries to a significant global source of financing. Some 200 million people globally now receive support from microfinance institutions, with most of the recipients in the developing world. In the beginning, much of the microfinance industry was managed by non-governmental organizations, but today the majority of these institutions are commercial and regulated by governments, and they provide safe places for the poor to save, as well as offering much-needed capital and other financial services. Now out of infancy, the microfinance industry faces major challenges, including its ability to deal with mobile banking and other technology and concerns that some markets are now over-saturated with microfinance. How the industry deals with these and other challenges will determine whether it will continue to grow or will be subsumed within the larger global financial sector. This book is based on the results of a workshop at Lehigh University among thirty-four leaders in the industry. The editors, working with contributions from more than a dozen leading authorities in the field, tell the important story of how microfinance developed, how it has met the needs of hundreds of millions of people, and they address key questions about how it can continue to meet those needs in the future.

The Impact of the Global Financial Crisis on Microfinance and Policy Implications

Author : Gabriel Di Bella
Publisher :
ISBN 13 :
Total Pages : 98 pages
Book Rating : 4.:/5 (742 download)

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Book Synopsis The Impact of the Global Financial Crisis on Microfinance and Policy Implications by : Gabriel Di Bella

Download or read book The Impact of the Global Financial Crisis on Microfinance and Policy Implications written by Gabriel Di Bella and published by . This book was released on 2011-07-01 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: The global financial crisis affected microfinance institutions (MFIs) as lending growth was constrained by scarcer borrowing opportunities, while the economic slowdown negatively impacted asset quality and profitability. It also brought to the fore the relatively high interest rates that MFIs charge to their (low-income) customers. This paper revisits the issue of systemic risk of MFIs, and finds that contrary to the evidence before the crisis, MFI performance is correlated not only to domestic economic conditions but also to changes in international capital markets. It also presents an empirical analysis of lending rates with the purpose of informing policy decisions, and finds that loan sizes, productivity, and MFI age contribute to explain differences in lending rate levels. This suggest that regulation (and policies) promoting MFI competition, and innovation in lending technologies have a better chance to result in decreased lending rates.

Confessions of a Microfinance Heretic

Author : Hugh Sinclair
Publisher : Berrett-Koehler Publishers
ISBN 13 : 1609945182
Total Pages : 290 pages
Book Rating : 4.6/5 (99 download)

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Book Synopsis Confessions of a Microfinance Heretic by : Hugh Sinclair

Download or read book Confessions of a Microfinance Heretic written by Hugh Sinclair and published by Berrett-Koehler Publishers. This book was released on 2012-07-09 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance insider Hugh Sinclair weaves a shocking tale of an industry focused on maximizing profits and plagued by predatory lending practices, scandals, cover-ups and corruption.

Mainstreaming Microfinance

Author : Elisabeth Rhyne
Publisher :
ISBN 13 :
Total Pages : 264 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Mainstreaming Microfinance by : Elisabeth Rhyne

Download or read book Mainstreaming Microfinance written by Elisabeth Rhyne and published by . This book was released on 2001 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: The history of the microfinance movement in Latin America, brought to life through the lens of the Bolivian experience. The study investigates the transformation of NGOs into formal financial institutions, examining microfinance under the conditions of commercialization and competition.

Bubbles and Machines

Author : Micky Lee
Publisher : University of Westminster Press
ISBN 13 : 1912656019
Total Pages : 165 pages
Book Rating : 4.9/5 (126 download)

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Book Synopsis Bubbles and Machines by : Micky Lee

Download or read book Bubbles and Machines written by Micky Lee and published by University of Westminster Press. This book was released on 2019-05-23 with total page 165 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are financial crises embedded in IT? Can gender studies offer insights into financial reporting? Feminist theories and Science and Technology Studies (STS) can enrich a critique of financial crises in capitalism as the author argues their critical, political economic approaches to communication can help in understanding because they historicize technology and economy and how these are materially embedded. Current literature has neglected finance and capital’s gendered aspect – even – the ideology of a ‘crisis’. This book develops four themes: women as resources in financial markets and as producers of values; gender ideology and unequal distribution; machine production and distribution of financial information and the varied actuality of markets. Working with case histories of tulipmania, microcredit, Wall Street reporting and the role of ‘screens’, Bubbles and Machines argues that rather than calling financial crises human-made or inevitable they should be recognized as technological.

Arts, Research, Innovation and Society

Author : Gerald Bast
Publisher : Springer
ISBN 13 : 3319099094
Total Pages : 297 pages
Book Rating : 4.3/5 (19 download)

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Book Synopsis Arts, Research, Innovation and Society by : Gerald Bast

Download or read book Arts, Research, Innovation and Society written by Gerald Bast and published by Springer. This book was released on 2014-11-19 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores – at the macro, meso and micro levels and in terms of qualitative as well as quantitative studies – theories, policies and practices about the contributions of artistic research and innovations towards defining new forms of knowledge, knowledge production, as well as knowledge diffusion, absorption and use. Artistic research, artistic innovations and arts-based innovations have been major transformers, as well as disruptors, of the ways in which societies, economies, and political systems perform. Ramifications here refer to the epistemic socio-economic, socio-political and socio-technical base and aesthetic considerations on the one hand, as well as to strategies, policies, and practices on the other, including sustainable enterprise excellence, considerations in the context of knowledge economies, societies and democracies. Creativity in general, and the arts in particular, are increasingly recognized as drivers of cultural, economic, political, social, and scientific innovation and development. This book examines how one could derive and develop insights in these areas from the four vantage points of Arts, Research, Innovation and Society. Among the principal questions that are examined include: - Could and should artists be researchers? - How are the systems of the Arts and Sciences connected and/or disconnected? - What is the impact of the arts in societal development? - How are the Arts interrelated with the mechanisms of generating social, scientific and economic innovation? As the inaugural book in the Arts, Research, Innovation and Society series, this book uses a thematically wide spectrum that serves as a general frame of reference for the entire series of books to come.

Living through Crises

Author : Rasmus Heltberg
Publisher : World Bank Publications
ISBN 13 : 0821394606
Total Pages : 307 pages
Book Rating : 4.8/5 (213 download)

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Book Synopsis Living through Crises by : Rasmus Heltberg

Download or read book Living through Crises written by Rasmus Heltberg and published by World Bank Publications. This book was released on 2012-04-01 with total page 307 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book brings together qualitative studies conducted during 2008-11 in communities in sixteen countries, with eight case studies that illustrate how people in specific localities were impacted by global shocks and what coping mechanisms they used.

What's Wrong with Microfinance?

Author : Thomas W. Dichter
Publisher :
ISBN 13 :
Total Pages : 292 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis What's Wrong with Microfinance? by : Thomas W. Dichter

Download or read book What's Wrong with Microfinance? written by Thomas W. Dichter and published by . This book was released on 2007 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: The reasons for this success are obvious.

New Business Models in the Course of Global Crises in South Asia

Author : Amina Omrane
Publisher : Springer Nature
ISBN 13 : 3030799263
Total Pages : 284 pages
Book Rating : 4.0/5 (37 download)

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Book Synopsis New Business Models in the Course of Global Crises in South Asia by : Amina Omrane

Download or read book New Business Models in the Course of Global Crises in South Asia written by Amina Omrane and published by Springer Nature. This book was released on 2021-10-19 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: To survive and sustain businesses during such times of crisis becomes difficult for managers and entrepreneurs. This in turn amplifies the importance of designing new flexible and adaptive business models. This book addresses different business situations that occur during national and global crises, such as the COVID-19 pandemic. Specifically, it proposes new and inspiring business models for various industries such as service and retail industry using different statistical software like SPSS and AMOS. It discusses the various changing elements of businesses such as the application of artificial intelligence (AI) and machine learning and how to cope with these unexpected business elements to maintain sustainable development.