WHY DOESNT MICROFINANCE WORK

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Why Doesn T Microfinance Work

Author : Milford Bateman
ISBN : NWU:35556041053323
Genre : Business & Economics
File Size : 42.64 MB
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Shows why many of the most fundamental building blocks of microfinance are largely myths, before going on to demonstrate that microfinance actually undermines the institutional foundations required for sustainable development and poverty reduction.
Category: Business & Economics

Can Microfinance Work

Author : Lesley Sherratt
ISBN : 9780199383191
Genre : Financial institutions
File Size : 80.13 MB
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Microfinance began with the noble aim of alleviating poverty through the extension of small loans to poor borrowers, and has grown to now serve approximately 200,000,000 people-the majority of whom are female. Yet despite claims to the contrary, the practice has not been proven to have succeeded in either enriching or empowering its borrowers. In a thorough-going ethical assessment of the industry, Can Microfinance Work? examines the central microfinance model and whether or not it is effective, the extent to which the practice creates the conditions for exploitation and coercion to occur, and whether the distribution of the benefits and burdens of microfinance is likely to be an ethical one. Author Lesley Sherratt argues for the establishment of a duty of care in microfinance in recognition of the vulnerability of the client base. She also examines the ethical dilemmas inherent in working in the informal sector, as well as microcredit's macro impact on economies. From there, Sherratt draws some wider lessons microfinance can offer anti-poverty developments in general. Challengingly, the book considers how microfinance might be reformed to ensure it is practiced both more ethically and effectively, and in doing so, argues that only a part of the industry may survive in its current form. The bulk could instead bifurcate in to one of two camps, either scaling down to become predominantly savings rather than credit vehicles, probably subsidized; or scaling up to provide credit to small and medium enterprise lending operations. For the rest, it is argued that establishing a non-exploitative interest rate, ending the practice of group liability, and fully specifying a duty of care -- with, if necessary, regulation developed to enforce these -- are microfinance's urgent ethical priorities.
Category: Financial institutions

Microfinance In Developing Countries

Author : J. Gueyie
ISBN : 9781137301925
Genre : Business & Economics
File Size : 36.63 MB
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Microfinance in developing countries is a collection of studies by leading researchers in the field of microfinance. It discusses key issues that the rapidly growing microfinance industry currently faces, and offers interesting views and analysis of topical matters concerning the microfinance realm.
Category: Business & Economics

Making Microfinance Work

Author : Craig Churchill
ISBN : 9789221186571
Genre : Business & Economics
File Size : 84.88 MB
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Microfinance has long been recognized as having significant potential to create jobs and reduce poverty. But to meet the twin challenges of growth and sustainability, managers of microfinance institutions (MFIs) must not only understand essential management functions: they must also be armed with innovative ideas and strategies to succeed in today's increasingly competitive environment. This book provides a valuable overview of the key management principles necessary to optimize the services of MFIs. The book examines the markets and marketing of MFIs and captures the different ways that managers can communicate the value of their products and services. It offers strategies to prevent risk from occurring and, if it does occur, explains how to rectify the situation. Practical techniques for allocating costs and determining prices are also highlighted, as well as the importance of plans, budgets and reports. In a clear, easy to follow presentation, the book includes illustrations and case studies to assist managers in applying the concepts outlined in the text.
Category: Business & Economics

Handbook On Development And Social Change

Author : G. Honor Fagan
ISBN : 9781786431554
Genre :
File Size : 47.16 MB
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This Handbook provides an accessible critical review of the complex issues surrounding development and social change today. With chapters from recognized experts, examining economic, political and social aspects, and covering key topics and developing regions, it goes beyond current theory and sets out the debates which will shape an approach better suited to the modern world.
Category:

Small Change Big Deal

Author : Jennifer Kavanagh
ISBN : 9781780993140
Genre : Business & Economics
File Size : 76.35 MB
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As we consider the plight of our consumer-driven economy, it is easy to forget that money is about relationship: between individuals and between communities. In our current financial mess, it is worth reminding ourselves of community-based alternatives, and to look closely at microcredit, a model of peer lending to enable people to move out of poverty. From Bangladesh, from South Africa, from Ghana, and from the East End of London, we are given a worm’s eye view of small scale work, of personal transformation, and the building of community. Small and local is still beautiful, and has much to teach us.
Category: Business & Economics

The Microfinance Revolution Sustainable Finance For The Poor

Author : Marguerite S. Robinson
ISBN : UOM:39015053784172
Genre : Business & Economics
File Size : 28.22 MB
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Microfinance is the method whereby financial services and credit is made available to the economically active but low income people of developiong countries. This book focusses on three key aspects of the phenomenon: 1) the shift from government- and donor-subsidized credit delivery systems to self-sufficient, sustainable microfinance institutions; 2) the results on the ground, on the way in which microfinance is helps people expand and diversify their enterprises, increase their incomes, raise their living standards and those of theri families, and boost their self-confidence; 3) the theroretical frameworks that had previously impeded the microfinance revolution, with suggestions for their improvement.
Category: Business & Economics

Routledge Handbook Of International Statebuilding

Author : David Chandler
ISBN : 9781135940010
Genre : Political Science
File Size : 38.51 MB
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This new Handbook offers a combination of theoretical, thematic and empirical analyses of the statebuilding regime, written by leading international scholars. Over the past decade, international statebuilding has become one of the most important and least understood areas of international policy-making. Today, there are around one billion people living in some 50-60 conflict-affected, 'fragile' states, vulnerable to political violence and civil war. The international community grapples with the core challenges and dilemmas of using outside force, aid, and persuasion to build states in the wake of conflict and to prevent such countries from lapsing into devastating violence. The Routledge Handbook of International Statebuilding is a comprehensive resource for this emerging area in International Relations. The volume is designed to guide the reader through the background and development of international statebuilding as a policy area, as well as exploring in depth significant issues such as security, development, democracy and human rights. Divided into three main parts, this Handbook provides a single-source overview of the key topics in international statebuilding: Part One: Concepts and Approaches Part Two: Security, Development and Democracy Part Three: Policy Implementation This Handbook will be essential reading for students of statebuilding, humanitarian intervention, peacebuilding, development, war and conflict studies and IR/Security Studies in general.
Category: Political Science

Microfinance

Author : David Hulme
ISBN : 9781134187089
Genre : Business & Economics
File Size : 35.28 MB
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Microfinance has become an important component of development, poverty reduction and economic regeneration strategy around the world. By the early twenty first century tens of millions of people in more than 100 countries were accessing services from formal and semi-formal microfinance institutions (MFIs). Much of the initial attention on microcredit came through work on Bangladesh’s much-lauded Grameen Bank but, there are now many different ‘models’ for microfinance and many countries have substantial microfinance sectors. This timely book, written by one of the major players in the UK in development economics explores, amongst others, topics such as: microfinance and poverty reduction microfinance, gender and social development microinsurance regulating and supervising microfinance institutions. Topical and insightful, this important text examines what has become a vast global industry employing hundreds of thousands of people and attracting the attention of large numbers of governments, banks, aid agencies, non-governmental organizations and consultancy firms.
Category: Business & Economics

Rethinking Development Challenges For Public Policy

Author : K. Hanson
ISBN : 9780230393271
Genre : Political Science
File Size : 32.26 MB
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Covers topical issues for Africa's development, economics and politics of climate change, water management, public service delivery, and delivering aid. The authors argue that these issues should be included in the post-MDG paradigm and add an important voice to recent moves by academics and practitioners to engage with each other.
Category: Political Science