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The Credibility of Microcredit offers an objective assessment of microfinance worldwide by way of interdisciplinary research. It features works from leading researchers in the field of microfinance, as well as new names, employing a variety of methods and theoretical approaches.
Why Doesn't Microfinance Work? by Milford Bateman Pdf
Since its emergence in the 1970s, microfinance has risen to become one of the most high-profile policies to address poverty in developing and transition countries. It is beloved of rock stars, movie stars, royalty, high-profile politicians and ‘troubleshooting’ economists. In this provocative and controversial analysis, Milford Bateman reveals that microfinance doesn’t actually work. In fact, the case for it has been largely built on hype, on egregious half-truths and – latterly – on the Wall Street-style greed of those promoting and working in microfinance. Using a multitude of case studies, from India to Cambodia, Bolivia to Uganda, Serbia to Mexico, Bateman demonstrates that microfi nance actually constitutes a major barrier to sustainable economic and social development, and thus also to sustainable poverty reduction. As developing and transition countries attempt to repair the devastation wrought by the global financial crisis, Why Doesn’t Microfinance Work? argues forcefully that the role of microfinance in development policy urgently needs to be reconsidered.
Confessions of a Microfinance Heretic by Hugh Sinclair Pdf
Microfinance insider Hugh Sinclair weaves a shocking tale of an industry focused on maximizing profits and plagued by predatory lending practices, scandals, cover-ups and corruption.
Microfinance is defined as the financial services offered to the poor for the purpose of promoting small-scale enterprises, and as such it is one of the most important topics in development studies and a burgeoning area in economics. This volume provides a much-needed historical, political and economic dimension to the current knowledge on microfinance. Collectively, the contributors chart the relationship between the prevailing popularity of microfinance and the consolidation of neoliberal economic ideology worldwide. They demonstrate how microfinance, as a market-friendly approach to development, coincides with the global trend towards diminishing the role of the state in economic development, basic healthcare, education and welfare. The articles in the volume focus on the empirical analyses of the experience of microfinance in women’s everyday lives, but rejects the connection between microfinance and women’s empowerment so often imputed in literature. This book offers regional, cultural and other explanations for variable assessments of microfinance and empowerment. It fills a huge gap in published microfinance literature and will be of great interest to postgraduates and professionals in the fields of economics, international finance and banking.
Social Purpose, Commercialization, and Innovations in Microfinance by Md Aslam Mia Pdf
This book analyses three key aspects of microfinancing, namely social purpose, commercialization and innovations and examines, through a global perspective, how these aspects helped and diverted microfinance institutions towards the attainment of their dual goals over the last twenty years. Since microfinance remains informal in nature for most economies, not all financial innovations are suitable for its needs. Hence, the arguments in the book put forth an important challenge to the advocates of innovations and subsequently highlight why MFIs should be cautious when integrating innovations to ensure its original promise. The book is based on empirical analysis by utilising the latest and global microfinance market data, rather than focusing on a specific region. Thus, the book bridges a gap in knowledge by unravelling detail of the social purpose, commercialization and innovations within the field of microfinance and will be a valuable resource for those exploring the dynamics of innovations in microfinance.
The Crises of Microcredit by Isabelle Guérin,Marc Labie,Jean-Michel Servet Pdf
Microcredit programmes, long considered efficient development tools, now face unprecedented crises in a number of countries. Is this the end of microcredit or rather an essential step in its expansion? Should we stop microcredit altogether or rethink the way it is implemented? Drawing on extensive empirical research conducted in various parts of the world - from Morocco to Senegal to India - this important volume examines the whole chain of microcredit to provide the answers to these questions. In doing so, the authors highlight the diversity of crises, both in intensity and in nature, while also shedding light on a diversity of causes, be it microcredit organizations unprepared for massive growth, saturated local economies or greedy investors and shareholders attracted by profits. Crucially, the authors demonstrate that microcredit is not a monolithic project, and the crises should also be analysed in the light of national histories and policies. An original and necessary intervention in what has become one of the most contentious topics within the development world.
Financializations of Development by Ève Chiapello,Anita Engels,Eduardo Gonçalves Gresse Pdf
Financializations of Development brings together cutting-edge perspectives on socio-political, socio-historical and institutional analyses of the evolving multiple and intertwined financialization processes of developmental institutions, programs and policies. In recent years, the development landscape has seen a radical transformation in the partaking actors, which have moved beyond just multilateral or bilateral public development banks and aid agencies. The issue of financing for sustainable development is now at the top of the agenda for multilateral development actors. Increasingly, development institutions aim to include private actors and to lever in private money to support development projects. Drawing on case studies conducted in Africa, Asia, Europe and Latin America, this book examines the ways in which these private finance actors are enrolled and associated with the conception and implementation of development policies. Beginning with a focus on global actors and private foundations, this book considers the ways in which development funding is raised, managed and distributed, as well as debates at the center of global forums where financialized policies and solutions for development are conceived or discussed. The book assembles empirical research on development programs and demonstrates the social consequences of the financializations of development to the people on the ground. Highlighting the plurality of processes and outcomes of modern-day relations, tools, actors and practices in financing development around the world, this book is key reading for advanced students, researchers and practitioners in all areas of finance, development and sustainability.
Mansur P. Eshov,Gulnora K. Abdurakhmanova,Aktam U. Burkhanov,Nodira B. Abdusalomova,Shakhlo T. Ergasheva
Author : Mansur P. Eshov,Gulnora K. Abdurakhmanova,Aktam U. Burkhanov,Nodira B. Abdusalomova,Shakhlo T. Ergasheva Publisher : Emerald Group Publishing Page : 273 pages File Size : 55,8 Mb Release : 2024-06-28 Category : Business & Economics ISBN : 9781837976652
Development of International Entrepreneurship Based on Corporate Accounting and Reporting According to IFRS by Mansur P. Eshov,Gulnora K. Abdurakhmanova,Aktam U. Burkhanov,Nodira B. Abdusalomova,Shakhlo T. Ergasheva Pdf
Development of International Entrepreneurship based on Corporate Accounting and Reporting According to IFRS: Part A offers theoretical and methodological insights for tailoring IFRS to evolving needs in global trade partnerships, alongside guidance for integrating IFRS into the management practices of international enterprises.
Women’s Empowerment and Microcredit Programmes in India by Annabel Dulhunty Pdf
Women’s Empowerment and Microcredit Programs in India examines the value of microcredit-based self-help groups (SHGs) for women in India and provides an alternative model for women’s empowerment programming. The microcredit sector continues to boom globally - with private investors, governments and multilateral financial institutions all investing substantial amounts in self-help group programming. Nowhere is this more evident than in India, where the industry has further been deregulated in recent years. Much of the rationale for increased investment in microcredit is based on the idea that it improves ‘women’s empowerment’. But is this true? Researchers have fiercely debated the value of microcredit programs for women, with some arguing that it is exploitative, and others contending that it is empowering. This book provides new insights into women’s empowerment and microcredit programming, elaborating on the themes of power, dignity, mobility and solidarity. It takes a nuanced view of the complexities surrounding self-help group programming and women’s empowerment and argues that the model of microcredit self-help group programming is key to whether it helps or harms women. By focusing on the experiences and voices of microcredit self-help group members in West Bengal, India, this book elaborates on the idea of microcredit models existing on a continuum, from ‘smart economics’ to more holistic feminist versions of programming. It will be of interest to scholars in development studies, anthropology, sociology, gender studies and public policy and Asian Studies.
Microfinancing is considered one of the most effective strategies in the fight against global poverty. And now, in Small Loans, Big Changes, author Alex Counts reveals how Nobel Prize Winner Muhammad Yunus revolutionized global antipoverty efforts through the development of this approach. This book presents compelling stories of women benefiting from Yunus’s microcredit in rural Bangladesh and urban Chicago, and recounts the experiences of different borrowers in each country, interspersing them with stories of Yunus, his colleagues, and their counterparts in Chicago.
Handbook of Microfinance, Financial Inclusion and Development by Valentina Hartarska,Robert J. Cull Pdf
This timely Handbook collates a range of evidence from top scholars in the field to help readers understand who microfinance reaches, how it helps, and why clients come back. It offers updated views on important concepts that enable a broader framework for understanding poverty and the corresponding financial needs of poor households.
Building Peace, Rebuilding Patriarchy by Melissa Johnston Pdf
"Men and women do not experience war, violence, and peace in the same ways. Accordingly, peacebuilding interventions now incorporate "gender mainstreaming" and stand-alone "gender-and-development". These gender interventions should make peacebuilding more effective and sustainable, facilitating stable societies and efficient economies. But success has been mixed. The case of in Timor-Leste is instructive. Interventions on gender responsive budgeting, domestic violence, and microfinance have uneven results. Whereas the level of women's participation in national politics in Timor-Leste is high by international standards, overall deep inequalities remain, inequality between rural and urban areas is growing, and violence against women is endemic across the country. Feminists have found fault with gender interventions, saying they don't go far enough, and scholars of the local turn have suggested a focus on gender encourages backlash against interventions. Instead of focusing on a clash of "local" and "international", Rebuilding Patriarchy uses gender and class to explain the uneven outcomes. It argues that peacebuilders made concessions to elites and violent men in order to keep the peace, a tendency amplified by "local turn" approaches to peacebuilding. It has reinforced the valorisation of armed masculinity, associated most strongly with the dominant class, which have in turn justified the unequal distribution of state petroleum resources. As well, gender, class and domestic violence are connected through brideprice, rendering legal and political reforms ineffective. Lastly, microfinance was supposed to empower women and grow the economy, but its main beneficiaries were elites, repeating patterns of accumulation and rule-through-debt established during era Indonesian-era"--
Beyond Micro-credit by Thomas Fisher,M. S. Sriram Pdf
Beyond Micro-Credit sets out how Indian Micro-Finance Initiatives are combining micro-finance with a wide range of development goals, these include not only poverty alleviation through providing savings, credit and insurance services but also promoting livelihoods, empowering women, building people's organizations and changing institutions.
The Informal Sector in Ecuador by Alan Middleton Pdf
This book looks back over the last forty years of change and development in Ecuador, showing how macro level changes have impacted families and workplaces on the local level. Traditionally a dependent economy reliant on agricultural exports, the impact of neoliberalism and new sources of income from oil have transformed the informal and artisanal sectors in Ecuador. Exploring these dynamics using a combination of micro and macro analyses, this book demonstrates how the social relations of the sector are connected to the wider social, economic and political systems in which they operate. The book dives into the links between micro-production and the wider economy, including the relationships between different types of artisanal enterprises and their customers, their connections to the private sector and the state, the importance of social networks and social capital and the relevance of finance capital in microenterprise development. Overall, the analysis investigates how artisans, entrepreneurs and family-based enterprises seek to protect their interests when faced with neoliberal policies and the impacts of globalisation. This remarkable longitudinal study will be of considerable interest to researchers of development studies, economics, sociology, anthropology, geography and Latin American Studies.
Microfinance: an Economic Analysis of Banking to the Poor by Samuel Wahlen Pdf
Great strides are being made in technology, medicine, and other fields, but with these advances, many people are still being left behind in poverty. The poor struggle to feed their families, work long hours for little pay, and face obstacles in educating themselves and their children. They see no end to the nightmareand they feel trapped. World leaders have responded by offering a handout rather than a hand up, which does nothing to fix the problem. In this book, youll learn why: Foreign aid to developing countries weakens democratic institutions and empowers leaders to make bad policy decisions. Small businesses serve an important role in strengthening economies in developing countries. Small business owners opt out of legal environments and choose to operate in informal sectors. Microfinance institutions offer the poor greater flexibility and opportunity than larger financial institutions. When helping the poor, the goal does not need to be unanimous economic equality, but we must provide opportunities to escape the clutches of poverty. Find out how it can be done, step by step, with Microfinance.
