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Microfinance (1)
- 1. â Self realization and self initiative are the two most powerful weapons to wash poverty out from the worldâ â CHANAKYA ( Worldâs Greatest Ancient Economic and Political Scholar).
- 3. Lessons in finance from the slums of EgyptâŠ
- 4. ⊠slum huts in Ahmedabad, India
- 5. ⊠villages in Bangladesh
- 6. ⊠city slums & rural villages in Indonesia
- 12. BANKERS GO TO BORROWERS BANGLADESH: Grameen Bank - 7.41 million borrowers Group leaders collect loan payments and hand them to their bicycle bankerâassuring complete transparence. Members of the group pledge to support one another.
- 25. Types of microfinance products
- 30. Thank You
Hinweis der Redaktion
- There are 40 women in each center; 5 women in each group. The women evaluate one anotherâs businesses and loan requests. The first loans in a new group go to 2 women, successfully repaid, then another 2; then last one. 2007 data
- The size of the loans varies from $25 to $500, depending on the business. These are administered through a separate, microenterprise, division of the National Bank for Development. USAID underwrote equipping the special division and guaranteed the loans. With a 98% repayment rate, the guarantee has never been tapped. Features Weekly visits by credit officers to: - follow-up the loan utilization & collect payments - assure development of clientâs activities - assist in solving any problems - promoting the project to increase the program outreach - Upper management commitment requires: - Financial methodologies that follow up low income clientele - Belief in recruiting, training & retaining large number of specialized staff (450 at this time) - Reach sustainability and costâeffectiveness through non-subsidized interest rates - Increases productivity and rapid expansion of microenterprises
- Operating in its present form since the early 1970s As of December 2001, 21.2 million MILLION savers! 3.5 million borrowers⊠The poor CAN save once they are freed from usurious interest rates⊠Note that in the four microfinance institutions, there are MORE savers than borrowers! $5.65 savings 2007 4,345 When the Indonesian banking system collapsed, BRIâs microbanking division remained profitable. Return on assets hardly budged, declining from 5.7% in 1996 to 4.7% in 1997, but, at the height of the crisis, recovering to 4.9% in 1998 and 6.1% in 1999. The BRI microfinance operations are the prime component of BRIâs survival after 1998 and BRIâs success as the most profitable bank of Indonesia in 2007 BRI units the worldâs largest and most successful commercial microfinance network, with a predominantly rural outlook.
- This bank is part of a Union representing independent workers like basketweavers, vegetable vendors, incense rollers⊠the poorest of the poor. Independent of the Grameen Bank but at about the same time, in the mid-1970s, the bank was established by the union. We may be poor, but we are so many. Why don't we start a bank of our own ? The banks offers services based on the life cycle needs of the poor: Savings for the events which they can plan, Insurance for uncertainties credit for business needs; and counseling for planning ahead. For example,