Cloning Grameen Bank
Replicating a poverty reduction model in India, Nepal and Vietnam
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.
Published: 1996
Pages: 136
eBook: 9781780441849
Paperback: 9781853393907
| 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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