Sustainable Microcredit Operations in Cambodia

概要

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The success of Grameen Bank in Bangladesh has become widely known. Copycat schemes have popped up in many parts of the world. But its success is not automatic, depending on so many additional factors. Some problems associated with the microcredit operation are. (1) Difficulty of Turning a Profit on the Loan, (2) Required Sustainability (Cost-Effectiveness) and (3) Permanent Dependence on Microcredit (Debt Cycle). Experiences show that the microcredit alone is not sufficient for poverty alleviation. It is important to draw a distinction between the microcredit and the direct assistance for extremely poor people. Poverty is a very complex problem which requires persistent comprehensive approach. The microcredit does have a mildly positive net benefit. It has helped some families out of poverty even in Cambodia. It has also given some headache for unfortunate families of Cambodia. A success of microcredit is not always warranted. It certainly is no major factor in poverty alleviation. Complementary actions need to accompany it for poverty reduction in poorest countries. This is a universal truth.
千葉大学の論文
2005-12-14