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  • 标题:Poverty and Microfinance: An Investigation into the Role of Microcredit in Reducing the Poverty Level of Borrowing Households in Bangladesh and the Philippines
  • 作者:M. Jahangir Alam Chowdhury
  • 期刊名称:Seton Hall Journal of Diplomacy and International Relations
  • 出版年度:2008
  • 卷号:IX
  • 期号:2
  • 出版社:John C. Whitehead School of Diplomacy and International Relations
  • 摘要:It is often argued that the formal and informal financial sectors in developing countries have failed to serve the poorer section of the community. Collateral, credit rationing, a preference for high income clients and large loans, and lengthy bureaucratic procedures of providing loans keep poor people outside the boundary of the formal sector financial institutions in developing countries.1 On the other hand, the informal financial sector has also failed to help the poor. Monopolistic power, excessively high interest rates, and exploitation through the undervaluation of collateral have restricted the informal financial sector in providing credit to poor people for income generating and poverty alleviation purposes.
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