This study evaluated micro-credit programmes of six leading NGOs/MFIs (BRAC, Grameen Bank, PROSHIKA, ASA, SSS and TMSS) in terms of the clients’ views towards the programmes. The objective of this project is to develop a selection criterion to identify the efficient programme. A total of 406 members from the selected NGOs/MFIs operating micro-credit programmes in Dhaka, Mymensingh, Sherpur, Net...

Formal financial institutions failed to reach the poorer sections of the rural society due to informational asymmetry, moral hazard and enforcement problems. The necessity of having alternative rural credit systems which will solve the problems of rural credit institutions is clearly warranted. Micro finance institutions are seen to have characteristics that help solve the problems moral hazard...

This article is based on the premise that poverty has its own culture. Social system and subsystems of this culture are built on exploitation. The rich are exploiting the poor by putting them into a debt-trap of money-lending system. This system exists everywhere in the world wherever poverty exists. The poor people need money for their survival and as a result of it they become the part of the...

This article is devoted to look at how the factors micro-loan risks in microfinance are related to the micro-borrowers. In this regard, the present analysis involves the using of a set representative and fundamental variables in our research. The study basically use the socio-economic and socio-demographic features specific to the micro-borrowers, which are expected to affect the repayment dela...

We present a methodology to grant and follow-up credits for micro-entrepreneurs. This segment of grantees is very relevant for many economies, especially in developing countries, but shows a behaviour different to that of classical consumers where established credit scoring systems exist. Parts of our methodology follow a proven procedure we have applied successfully in several credit scoring p...