Bank Grameen: Perbedaan antara revisi

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Sebaris

Revisi per 5 Februari 2008 04.54

Bank Grameen adalah sebuah organisasi kredit mikro yang dimulai di Bangladesh yang memberikan pinjaman kecil kepada orang yang kurang mampu tanpa membutuhkan collateral. Sistem ini berdasarkan ide bahwa orang miskin memiliki kemampuan yang kurang digunakan.

Bank ini terpilih sebagai penerima Penghargaan Perdamaian Nobel (bersama dengan Muhammad Yunus) pada tahun 2006.

Sejarah

Muhammad Yunus, pendiri bank ini, mendapatkan gelar doktor dalam ekonomi dari Universitas Vanderbilt. Dia terinspirasi pada bencana kelaparan Bangladesh pada 1974 untuk membuat pinjaman kecil kepada sebuah kelompok keluarga agar mereka dapat membuat barang kecil untuk dijual. Yunus percaya dengan memberikan pinjaman kecil tersebut kepada masyarakat luas dapat menghilangkan kemiskinan yang parah di pedesaan di Bangladesh.

Kepemilikan dan fakta lain

Satu sifat dari Bank ini adalah bank ini dimiliki oleh peminjam miskin dari bank tersebut, kebanyakan adalah wanita. Sekitar 94% dimiliki peminjam, dan sisa 6% dimiliki oleh Pemerintah Bangladesh.

Bacaan lainnya

Bornstein, David. The Prince of a Dream. Oxford University Press, NY: 2005.

Sumber lainnya

(Inggris) "Banker to the Poor: The Story of the Grameen Bank". Professor Muhammad Yunus
(Inggris) Micro Loans for the Very Poor; "The New York Times"; Sunday, February 16, 1997
(Inggris) Business-Social Ventures: Reaching for Major Impact; Changemakers.net, Nov 2003

Pranala luar

(Inggris) Situs web resmi
(Inggris) Grameen Foundation USA, replicating the Grameen Bank model around the world
(Inggris) gramBangla, Grameen Support Group Australia
(Inggris) One World, author Paul Sinclair
(Inggris) Grameen Bank: Taking Capitalism to the Poor, a study by members of the Columbia Business School
(Inggris) Video dari Muhammad Yunus yang sedang berbicara mengenai Grameen Bank [1]

@@ Baris 30: / Baris 30: @@
 The system is the basis for the microcredit and the [[Self Help Group]] system now at work in over 43 countries. Each group of five individuals are loaned money, but the whole group is denied further [[credit (finance)|credit]] if one person [[Default (finance)|defaults]].  This creates economic [[incentives]] for the group to act responsibly, increasing Grameen's economic viability.
-In a country in which few women may take out loans from large commercial banks, the fact that most (96%) loan recipients are women is an amazing accomplishment. In other areas, Grameen's track record has been equally astonishing, with very high payback rates&mdash;over 98 percent. More than half of Grameen borrowers in Bangladesh (close to 50 million) have risen out of acute poverty thanks to their loan, as measured by such standards as having all children of school age in school, all household members eating three meals a day, a sanitary toilet, a rainproof house, clean drinking water and the ability to repay a 300 [[taka]]-a-week (US$8) loan.
+In a country in which few women may take out loans from large commercial banks, the fact that most (96%) loan recipients are women is an amazing accomplishment. In other areas, Grameen's track record has been equally astonishing, with very high payback rates—over 98 percent. More than half of Grameen borrowers in Bangladesh (close to 50 million) have risen out of acute poverty thanks to their loan, as measured by such standards as having all children of school age in school, all household members eating three meals a day, a sanitary toilet, a rainproof house, clean drinking water and the ability to repay a 300 [[taka]]-a-week (US$8) loan.
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