
16 Decisions..
6. We shall plan to keep our families small. We shall minimize our expenditures. We shall look after our health.

10 Indicators..
A member is considered to have moved out of poverty if her family fulfills the following criteria.
1. The family lives in a house worth at least Tk. 25,000 (twenty five thousand) or a house with a tin roof, and each member of the family is able to sleep on bed instead of on the floor.
2. Family members drink pure water of tube-wells, boiled water or water purified by using alum, arsenic-free, purifying tablets or pitcher filters.
3. All children in the family over six years of age are all going to school or finished primary school.
4. Minimum weekly loan installment of the borrower is Tk. 200 or more.
5. Family uses sanitary latrine.
6. Family members have adequate clothing for every day use, warm clothing for winter, such as shawls, sweaters, blankets, etc, and mosquito-nets to protect themselves from mosquitoes.
7. Family has sources of additional income, such as vegetable garden, fruit-bearing trees, etc, so that they are able to fall back on these sources of income when they need additional money.
8. The borrower maintains an average annual balance of Tk. 5,000 in her savings accounts.
9. Family experiences no difficulty in having three square meals a day throughout the year, i. e. no member of the family goes hungry any time of the year.
10. Family can take care of the health. If any member of the family falls ill, family can afford to take all necessary steps to seek adequate healthcare.
|
ACCION |
ADIE |
Grameen Bank | |
|
법적형태 |
Microcredit |
특목금융기관 |
은행 |
|
대출대상 |
청년창업자, 신용불량자 제외 |
사회취약계층, 신용불량자 |
농촌빈곤여성 |
|
대출기준 |
18 ~21세, 사업경험 |
실업자, 금융소외집단 |
재산 |
|
대출방식 |
개인/공동, 신용대출(보증/담보) |
개인/공동, 신용대출(보증/담보) |
개인대출, 연대신용보증 |
|
대출금액 |
5만 달러 이하 |
평균 3만 프랑 |
평균 75달러 |
|
대출이자 |
16% (고리) |
6% (저리) |
20% (저리) |
|
기타지원 |
경영지도 중심 |
직업훈련, 경영지도 |
기초교육 중심 |
|
조직 |
지역분권형 |
지역분권형 |
중앙집중적 |
|
재정 |
지부조성, 자체기금 중심 |
지부조성, 정부/민간 |
본부조성, 자체기금 중심 |
|
성과 |
상환율 96.9% |
창업성공 75% |
상환율 99% |
늘해랑 고물창고 벨로씨엘 날라리천사 ♡♡해피니스♡♡ 그의 이야기 유학일기 바빌론 리더겐 공중그네
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