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Transcript of Positive organisations
Eszter Lilla Tóth Microcredits,
Grameencredits 145 % -Very high interest rates (on average 38%)
- no empowerment of women achieved
-Only few creditors to escape poverty Downsides Authentizotic
Organizations References Content
1. About Microcredits, Grameen Bank and its founder
2. Trust groups
3. Success stories
4. Authentizotic Organizations
5. Downsides Information on requirements and trust groups Do you think everyone could
escape poverty just by
starting a small business? Grameen believes that charity is not an
answer to poverty. Grameen regards all human beings, including the poorest, as endowed with endless potential, and that unleashing the creativity in each individual should be the answer to poverty. It targets the poorest of the poor, with a particular emphasis on women, who receive 95 percent of the bank’s loans. 1.We shall follow and advance the four principles of Grameen Bank: Discipline, Unity, Courage
and Hard work – in all walks of our lives.
3. Repair and build houses and make them clean
6.We shall plan to keep our families small.
We shall minimize our expenditures.
We shall look after our health
10.We shall drink water from tubewells.
13.We shall collectively undertake bigger
investments for higher incomes.
14.We shall always be ready to help each other.
15.If we come to know of any breach
of discipline in any centre, we shall all go there and
help restore discipline.
16.We shall take part in all social activities
collectively. Grameen borrowers have been encouraged to adopt positive social habits Although each borrower must belong to a five-member group, the group is not required to give any guarantee for a loan to its member. There is no legal instrument (no written contract) between Grameen Bank and its borrowers, the system works based on trust Rahman, Aminur (2001). Women and Microcredit in Rural Bangladesh: Anthropological Study of Grameen Bank Lending. Boulder, Colorado: Westview Press. p. 4. ISBN 0-8133-3930-8.
"What is Microcredit ?". Grameen Bank. Retrieved 11 March 2011.
"Grameen Bank At a Glance". Grameen Communications. Retrieved 2009-07-07.
Feiner, Susan F.; Barker, Drucilla K. (Nov-Dec 2006). "Microcredit and Women's Poverty". Dollar & Sense, The magazine of Economic Justice. Boston, US: Economic Affairs Bureau, Inc.
Presentation about Microfinance of prof. Daniel Traca – Sustainable International Business 2012
http://www.grameen-info.org/index.php?option=com_content&task=view&id=792&Itemid=759 How do the community trusts reflect the characteristics of an authentizotic organization? Trust groups Involve small amounts of money - small loans, small savings to low-income individuals or to those who do not have access to typical banking services.
building business, and move on to commercial banks, lifting out of poverty, education for children, health care, empowerment of women Microfinance Professor Muhammad Yunus
established the Grameen Bank in
Bangladesh in 1983
Won the Nobel Peace Prize in 2006
Mutual trust, accountability,
participation and creativity
GB: 2011: 8.349 million borrowers,
97 % women
2,565 branches, 81,379 villages MFIs , last 30 years improving methods 10,000 MFIs in 60 countries
Group lending (3- 20), social pressure; risk sharing
Progressive lending, promise of larger loans
Intensive monitoring – detection of defaults
160 000 000 people are served by Microfinance
Banks serving the poor in Bangladesh:
1995: 93.7% Concept It works! Bangladesh
BRAC 112 %
28 % Ghana
Freedom from Hunger 80 % Indonesia Bank Rakyat 112 %
90 % Uganda
Foccas El salvador
FINCA Thank you for your attention -Strong sense of belonging
-Sense of purpose
-Sense of competence
-Sense of impact