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.
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.
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.
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.
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.