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A Billion Bootstraps: Microcredit, Barefoot Banking, and The Business Solution for Ending Poverty
A bold manifesto by two business leaders, A Billion Bootstraps shows why microcredit is the world's most powerful poverty-fighting movement-and an unbeatable investment for your charitable donations. A Billion Bootstraps unearths the roots of the microcredit revolution, revealing how the pioneering work of people such as Dr. Muhammad Yunus-winner of the 2006 Nobel Peace Prize-is giving hope to billions. Philanthropist and self-made millionaire Phil Smith and microcredit expert and consultant Eric Thurman provide a riveting narrative that explores how these small loans, arranged by “barefoot bankers,” enable impoverished people to start small businesses, support their families, and improve local economies. By paying back their loans instead of simply accepting handouts, men and women around the world are continually giving others the same opportunity to change their futures. Smith and Thurman also examine why traditional charity programs, while providing short-term relief, often perpetuate the problems they are trying to alleviate, and how applying investment principles to philanthropy is the key to reversing poverty permanently. A Billion Bootstraps explains how ordinary people can accelerate the microcredit movement by investing charitable donations in specific programs and then leveraging those contributions so the net cost to lift one person out of poverty is remarkably low. You'll discover how to get more for your money by donating with the mind-set of an investor and calculating measurable returns-returns that will change lives and societies forever. .
Price: $8.98
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Women and Microcredit in Rural Bangladesh: An Anthropological Study of Grameen Bank Lending
The Grameen Bank of Bangladesh has been extending small loans to poor borrowers (primarily women) to promote self-employment and income generation since 1976. The apparent success of the Grameen Bank (that is, recruitment of clients, investment of loans, recovery rates on invested loans and profit margins) has made microcredit a new model for poverty alleviation and sustainable development. Anthropological research results on Grameen Bank lending to women presented in this book, however, illuminates the link between the success of the bank and debt-cycling of borrowers. The priority of earning profits to insure institutional economic viability caused Bank employees at the grassroots level to emphasize increasing the number of loans disbursed and loan recovery. By using the joint liability model of lending, the Bank workers and borrowing peers impose intense pressure on clients for timely repayment. Many borrowers maintain their regular payment schedules, but do so through a process of loan recycling (that is, pay off previous loans with new ones) that considerably increases borrower debt liability. The debt burdens on individual households in turn increase tension and anxiety among household members and produce unintended consequences for many clients.This book examines women borrowers’ involvement with the microcredit program of the Grameen Bank, and the grassroots lending structure of the bank; it illustrates the implications of Grameen lending for the borrowers, their household members and bank workers. The focus of the study is on the processes of village-level microcredit operation; it addresses the realities of the day-to-day lives of women borrowers and bank workers and explains informant strategies for involving themselves in this microcredit scheme. The study is on the power dynamics of everyday lives of informants as they affect women borrowers’ relationships within the household and the loan centers, and bank worker relationships within the loan center and the bank. .
Price: $29.70
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Beyond Microcredit: Putting Development Back into Microfinance
Micro-finance is an instrument for development However, the developmental purposes of microfinance are often lost behind the dominant focus on the technology and management of micro-finance, or on outreach to poor clients. This book challenges the microfinance industry to go beyond such a narrow focus, looking at the range of development goals for which microfinance can be used. These include not only poverty alleviation through providing savings, credit, and insurance, but also promoting livelihoods, empowering women, building people's organizations, and changing institutions. The book richly illustrates each of these from actual micro-finance practice and explores the organizational challenges of combining such development goals with financial service-provision. The book is based on the great diversity of microfinance practice in India, which has developed numerous innovations, from new products for promoting livelihoods to democratic governance. The book provides the most comprehensive analysis available of Indian innovation and practice in microfinance, including detailed analysis of the "self-help groups" in India, comparisons with microfinance in Bangladesh, and the latest performance and impact assessment..
Price: $25.54
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Micro-Credit, Poverty and Empowerment: Linking the Triad
Micro-credit, or the making available of small amounts of credit to the poor, is seen as a vital tool for poverty alleviation and women's empowerment in developing societies. This volume examines micro-credit interventions made in India and provides valuable insights into: the role of social mobilization in reducing poverty; the working of community banking programmes at the village level; the efforts to create space for women to carry out credit and savings transactions; the process of empowerment through the formation of women's groups; and the improvement of women's lives through savings and credit activity..
Price: $21.78
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Fighting Poverty with Microcredit: Experience in Bangladesh (World Bank Publication)
Providing the poor with access to financial services is one of many ways to help increase their incomes and productivity In many countries, however, traditional financial institutions have failed to provide this service. Microcredit and cooperative programs have been developed to fill this gap. Their purpose is to help the poor become self-employed and thus escape poverty. Many of these programs provide credit using social mechanisms, such as group-based lending, to reach the poor and other clients, including women, who lack access to formal financial institutions. With increasing assistance from the World Bank and other donors, microfinance is emerging as an instrument for reducing poverty and improving the poor's access to financial services in low-income countries. This book examines the experiences of the Grameen Bank and two other major microcredit programs in Bangladesh in order to quantify the potential and limitations of microcredit programs as an instrument for reducing poverty and delivering financial sevices to the poor..
Price: $32.61
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The Commonwealth Youth Credit Initiative: A Micro-Credit and Enterprise Development to Promote Youth Employment and Alleviate Youth Poverty
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Access to and impact of Microcredit in rural Northern Vietnam: A view from the grass-roots
Microcredit schemes as a tool for (in the words of the Norwegian Nobel Committee in 2006) economic and social development from below" poverty reduction and empowerment have recently moved into the focus of attention of the global community. Much light however remains to be shed on the internal dynamics of microfinance programmes. The objective of this study is to gain insight into the under-researched question of how the provision of microcredit is perceived by the target-group at the grass roots level by people who pursue their livelihood strategies in a pragmatic fashion oblivious of the theoretical constructs and imperatives behind the loans they receive. A better understanding of the needs of the prospective clients is necessary in order to reach the target-group more effectively and increase the impact of the respective programmes. How do rural farmers and prospective microcredit clients perceive the services and how do they use them? What influences their investment decisions and what impact does the provision of microcredit services have on a household`s livelihood? These are some of the questions this study strives to answer.".
Price: $73.52
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