Para muitos empreendedores dar início a uma microempresa é um grande desafio. É ainda um desafio maior para aqueles microempresários de baixa renda, os quais geralmente não tem como receber crédito do sistema bancário tradicional pela ausência de garantes, e quando conseguir, os juros do crédito estão acima da media. Leia mais ou discutir.
For many entrepreneurs around the globe, starting a new business is a great challenge. Launching a new business is even harder for micro-entrepreneurs from low-income communities: they generally lack access to credit because they have no guarantors. When they do manage to get credit, the interest rate is often much higher than usual, limiting the possibilities to launch a business and to live off it. Read more or join the discussion.
Submitted by Catalina Gomez — Mon, 05/13/2013 – 00:00
Grameen Bank is one of the most successful experiments in extending credit to Bangladesh’s poor. Many have used microfinance to pull themselves out of poverty. The beginnings of Grameen Bank can be traced back to 1976, when Professor Muhammad Yunus, the head of the Rural Economics Program at the University of Chittagong, launched a research project to examine the possibility of designing a credit delivery system to provide banking services for the rural poor. This research project grew, and as of 2011, Grameen Bank’s 23,144 employees serve 8.349 million borrowers (97 percent of which are women) in 81,379 villages, covering more than 97 percent of the total villages in Bangladesh. Read more or join the discussion.
Submitted by Editor — Mon, 05/13/2013 – 00:00
أثبت التمويل الأصغر المعروف ب’microfinance’ أنه من الأدوات الأكثر فعالية لتشجيع الفقراء على النمو الاقتصادي. من إحدى أهداف ما بعد الثورة في مصر هو النمو الذي يشمل جميع فقات الشعب، و قد يخلق التمويل الأصغر النمو الشامل الذي يؤدي إلى زيادة فرص العمل وإنتشار العدالة الإجتماعية. هناك حاليا أكثر من ٤٠٠ مؤسسة للتمويل الصغير في مصر، مما يجعل التمويل الأصغر من الخدمات الرئيسية التي تساعد الفقراء.
Submitted by Howaida Kamel — Mon, 05/13/2013 – 00:00
Mobile phone usage is growing and new service models emerging. Some hold great expectations for how the growing ubiquity of mobile phones will solve many problems related to poverty in the developing world. Positive impacts cited include disaster relief, banking for the poor, disease management, literacy, commute flows, as well as government accountability and delivery of services. A recently published book, The Great Indian Phone Book, examines what might prove to be the most disruptive communications device in history. In this early stage of the mobile phone revolution, new opportunities for micro enterprise are growing. Read more.
Submitted by Tracey Grose — Wed, 05/01/2013 – 09:53
The Indian nation is determined to meet its goal on financial inclusion. How financially inclusive is the city of Mumbai?
As the financial capital of the country, Mumbai, with a population of 18.8 million, has more than 1,600 bank branches. But when it comes to the poor and informal sector workforce, let’s see how it fares.
Submitted by Rakhi Mehra — Tue, 03/12/2013 – 05:42