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Cloning Grameen Bank

Edited By Helen Todd
ISBN: 9781853393907
By giving an unvarnished account of the problems encountered in the crucial first years of establishing a credit programme, the book alerts potential microcredit practitioners to the pitfalls and obstacles likely to be encountered in setting up a program.

Price: £14.20

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Cloning Grameen Bank View Jacket

  • Synopsis
    Inspired by the enormous success of the Grameen Bank in providing financial assistance to the poorest of the poor, four individuals - a central banker, an appropriate-technology NGO organizer, a professor of international relations and a top-level communist official - each sought to replicate and adapt the model elsewhere in Asia. By giving an unvarnished account of the problems encountered in the crucial first years of establishing a credit programme, the book alerts potential microcredit practitioners to the pitfalls and obstacles likely to be encountered in setting up a program. The book provides the opportunity to analyse the process of creating a successful credit program and draws from the experience of these four projects some lessons in best practice.
  • Table of Contents
    CONTENTS

    Introduction, Helen Todd

    1. Nirdhan, Nepal, David S. Gibbons
    Key Replicator in Nepal,
    The First Year: Rapid Growth
    Second Year: Problems Emerge
    Women's Own Use of Loans
    Group Formation
    Who Gets the Credit?
    Impact on the Poor
    Financial Viability
    Step by Step to Higher Incomes
    Expansion Potential of Nirdhan Nepal
    Preparing the Way For Scaling Up
    Teamwork and Problem Solving
    Barsati wins Love and Livelihood from her Grocery Shop

    2. SHARE, Andhra Pradesh, David S. Gibbons
    First Hurdles
    Origins
    Region of Water; Region of Stones
    Thieves, Thugs and Other NGOs
    Investing in Courage
    Impact on the Poor
    Raising the House with her own Hands
    Buffalo Loans
    Self-Employment
    The High Cost of SHARE
    Strength of Samson
    Finding a Legal Form for Growth
    Grabbing The Second Chance

    3. Nirdhan, West Bengal, Md. RashidulIAlam and Abdus Salam Khan
    Innovations and Deviations
    In a Poor State
    Grameen Bankers Give Advice
    Final Evaluation Report
    Group Formation
    Group Training
    Another Chit Fund? Nirdhan Convinces Critics
    Group Recognition Test (GRT)
    Centre Discipline
    Credit Delivery; Credit Discipline
    Chillies and Sweet Water Build a Centre House
    Group Fund
    Field Supervision
    Office Management
    Staff Training and Performance Measurement
    Accounting and Financial System
    Fund Management
    Operating Costs
    Monitoring System
    Socio-Economic Impact on the Borrowers
    Prospects for Viability
    Recommendations
    Can Nirdhan Expand?

    4. Tau Yew Mai, Vietnam, David S. Gibbons and Helen Todd
    The Pilot Years
    Growth - and Enthusiasm - Level Off
    Weaknesses in Soc San 1
    Too Poor for TYM?
    Staff in Transition
    Building the Future: Training and Planning
    Major Impact on Income
    Rapidly Rolling Credit
    Good Prospects for Financial Viability
    Expansion and Institutionalization
    Soc San 2
    A Roof for the Rain
    Baby Beats the Loan

    Conclusion, Helen Todd and David S. Gibbons
    The Question of Impact
    Demand for Credit
    The Importance of Leadership
    Operating in the Field
    Building a Professional Operation
    Potential for Poverty-Reduction and Sustainability
    Institutional Financial Viability
    Master Plan for Institutional Financial Self-sufficiency
    Fund Mobilization
    Institutional Capacity-building Needs

    Select Bibliography

    Figures
    1.1. Growth of Members and Loans
    1.2. Growth of Branches and Staff
    4.1. TYM Membership Growth: July 1993-Dec 1995
    C.1. Preliminary Institutions Forward Analysis
  • Details
    Sub Title N/A
    Author No
    Editor Helen Todd
    Number of Pages 136
    Format Paperback / softback