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OverviewThe 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. Full Product DetailsAuthor: Aminur RahmanPublisher: Taylor & Francis Ltd Imprint: Routledge Weight: 0.412kg ISBN: 9780367314019ISBN 10: 0367314010 Pages: 204 Publication Date: 19 August 2019 Audience: College/higher education , General/trade , Tertiary & Higher Education , General Format: Hardback Publisher's Status: Active Availability: In Print  This item will be ordered in for you from one of our suppliers. Upon receipt, we will promptly dispatch it out to you. For in store availability, please contact us. Table of Contents1 Introduction, 2 Field Research Methodology, 3 Theoretical Framework, 4 The Study Village and Its Socioeconomic Organization, 5 Microlending and Equitable Development, 6 Disbursement and Recovery of Loans: Bases for Escalation of Violence?, 7 Microlending and Sustainable Development, 8 ConclusionReviewsAuthor InformationAminur Rahman was born and raised in Bangladesh. He has a Master's Degree in Sociology (University of Dhaka, Bangladesh), M.Phil in Social Anthropology (University of Oslo, Norway), and Ph.D. in Anthropology (University of Manitoba, Canada). Before going abroad for higher studies, Rahman worked for several years with national and international NGOs in Bangladesh in community development projects. He also taught at the University of Manitoba and has published in many international journals, including World Development. Rahman is currently working with the Small Enterprise Program of the International Development Research Centre (IDRC) in Ottawa, Canada. Tab Content 6Author Website:Countries AvailableAll regions |
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