Profit for the Poor
Cases in micro-finance
Microcredit is the latest development fashion, and it has even received the ultimate accolade of a world summit It is not generally appreciated, however, that there is a wide variety of quite different approaches to the profitable delivery of financial services to the poor. Such services are being indeed, have for many years been provided by many different types of institution, including traditional commercial banks, NGOs and the much publicized new generation institutions. This book contains a selection of case studies from India, Bangladesh, East and Southern Africa, Indonesia and Latin America, together with many challenging comments and questions. Two points are made: first that there is no universally applicable methodology in the field, and second that well-managed microfinance can be profitable both for its customers and its providers; it is a business opportunity itself for bankers, and need not depend on donor assistance.
Published: 1998
Pages: 200
eBook: 9781780440910
Paperback: 9781853394386
| Section 1: Introduction and Some General Issues | |||
|---|---|---|---|
| Chapter 1. Introduction | |||
| Chapter 2. Interest Rates | |||
| Chapter 3. Where is the Money to Come From? | |||
| Chapter 4. The Institutions | |||
| Section 2: Case Studies | |||
| Chapter 5. The Bhawal Rajbari Branch, Grameen Bank, | |||
| Bangladesh | |||
| Chapter 6. The Banco Nacional de Comercio Interior, Mexico | |||
| Chapter 7. The Gazaria Branch, BRAC, Bangladesh | |||
| Chapter 8. The Omdunnan Productive Families Branch of the | |||
| Sudan-Islamic Bank | |||
| Chapter 9. The Laxmi Mahila Sangam and Myrada, Karnataka | |||
| State, India | |||
| Chapter 10. PRIDE and KREP, Two Examples from Machakos, | |||
| Kenya | |||
| Chapter 11. The Kenya Industrial Estates Informal Sector | |||
| Programme, Murang'a Branch | |||
| Chapter 12. Cuttack Urban Cooperative Bank-College Square | |||
| Branch | |||
| Chapter 13. Masoko Madogo Madogo Market Society, Dar Es | |||
| Salaam, Tanzania | |||
| Chapter 14. The Pingua Branch of the Dhenkanal Gramya Bank, | |||
| Orissa, India: 'Linkage' to Self Help Groups | |||
| Chapter 15. Puri Gramin Bank and DSS Balipatna, Orissa, India | |||
| Chapter 16. Bank Rakyat Indonesia - Contoh Unit | |||
| Chapter 17. The Start-Up Fund, South Africa | |||
| Chapter 18. The Kalanjiam Community Banking System, Madurai | |||
| East, Tamil Nadu, India | |||
| Chapter 19. Basix Finance, Raichur, Karnataka, India | |||
| Chapter 20. Conclusions |
Malcolm Harper
Malcolm Harper taught at Cranfield School of Management until 1995, and since then has worked mainly in India. He has published on enterprise development and microfinance. He was Chairman of Basix Finance from 1996 until 2006, and is Chairman of M-CRIL, the microfinance credit rating agency.
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