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Profit for the Poor

By Malcolm Harper
ISBN: 9781853394386
This book contains case studies from India, Bangladesh, East and Southern Africa, Indonesia and Latin America.Two points are made: first that there is no universally applicable methodology in the micro credit, and second that well-managed microfinance can be profitable both for its customers and its providers.

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  • Synopsis
    Microcredit is the latest development fashion, and it has even received the ultimate accolade of a world summit It is not generally appreciated, however, that there is a wide variety of quite different approaches to the profitable delivery of financial services to the poor. Such services are being indeed, have for many years been provided by many different types of institution, including traditional commercial banks, NGOs and the much publicized new generation institutions. This book contains a selection of case studies from India, Bangladesh, East and Southern Africa, Indonesia and Latin America, together with many challenging comments and questions. Two points are made: first that there is no universally applicable methodology in the field, and second that well-managed microfinance can be profitable both for its customers and its providers; it is a business opportunity itself for bankers, and need not depend on donor assistance.
  • Table of Contents
    Section 1: Introduction and Some General Issues
    Chapter 1. Introduction
    Chapter 2. Interest Rates
    Chapter 3. Where is the Money to Come From?
    Chapter 4. The Institutions
    Section 2: Case Studies
    Chapter 5. The Bhawal Rajbari Branch, Grameen Bank,
    Bangladesh
    Chapter 6. The Banco Nacional de Comercio Interior, Mexico
    Chapter 7. The Gazaria Branch, BRAC, Bangladesh
    Chapter 8. The Omdunnan Productive Families Branch of the
    Sudan-Islamic Bank
    Chapter 9. The Laxmi Mahila Sangam and Myrada, Karnataka
    State, India
    Chapter 10. PRIDE and KREP, Two Examples from Machakos,
    Kenya
    Chapter 11. The Kenya Industrial Estates Informal Sector
    Programme, Murang'a Branch
    Chapter 12. Cuttack Urban Cooperative Bank-College Square
    Branch
    Chapter 13. Masoko Madogo Madogo Market Society, Dar Es
    Salaam, Tanzania
    Chapter 14. The Pingua Branch of the Dhenkanal Gramya Bank,
    Orissa, India: 'Linkage' to Self Help Groups
    Chapter 15. Puri Gramin Bank and DSS Balipatna, Orissa, India
    Chapter 16. Bank Rakyat Indonesia - Contoh Unit
    Chapter 17. The Start-Up Fund, South Africa
    Chapter 18. The Kalanjiam Community Banking System, Madurai
    East, Tamil Nadu, India
    Chapter 19. Basix Finance, Raichur, Karnataka, India
    Chapter 20. Conclusions
  • Details
    Sub Title N/A
    Author Malcolm Harper
    Editor No
    Number of Pages 200
    Format Paperback / softback