Overview

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.

Full Product Details

Author:   Helen Todd
Publisher:   Practical Action Publishing
Imprint:   Practical Action Publishing
Dimensions:   Width: 14.50cm , Height: 0.70cm , Length: 22.90cm
Weight:   0.210kg
ISBN:  

9781853393907

ISBN 10:   1853393908
Pages:   136
Publication Date:   15 December 1996
Audience:   Professional and scholarly ,  Professional & Vocational
Format:   Paperback
Publisher's Status:   Active
Availability:   In Print  
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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

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