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Not being satisfied with the single harvest that providing capital makes possible, the Grameen bank [url=http://www.lotogame.fr/louboutin-pas-cher/]louboutin[/url] seeks to teach its borrowers and owners how to ensure future economic success in other ways. For example, borrowers are encouraged [url=http://www.wucmatchracing2012.fr/airjordan.php]nike air jordan[/url] to plant more vegetables than their families can eat and sell the excess.
With all of these ways to cast bread upon the waters and build a better tomorrow, you can see that there exist many opportunities to create hybrid business models from these successes. Consequently, these new business models will ensure even larger harvests by expanding the community of those who can imagine better ways to create them.
More recently, this capital-and-human-talent-improvement-pool concept has been applied within some rural parts of the developing [url=http://www.snubourgogne.fr/woolrichdoudoune.html]doudoune woolrich[/url] world by the Grameen bank in Bangladesh to provide micro credit. To get some sense of what is involved, begin by realizing that a typical loan is less than $100. That size was way too small for the overhead of an existing bank business model to afford. How could such small sums be profitably provided?
Copyright 2009 Donald W. Mitchell, All Rights Reserved
The bank's other principles [url=http://www.paolofranco.it/scarpe-hogan/]scarpe hogan[/url] relate to [url=http://www.mquin.com/pjsdoudoune.php]parajumpers pas cher[/url] important lessons for better living such as encouraging the use of clean water and sanitary facilities to limit disease; repairing and building better homes; helping one another when trouble arises; avoiding capital-draining dowries; and keeping family size and expenses down.
Article Tags: Grameen Bank, Business Models
The bank was founded in 1976 as an experiment, and went on to become regularly government chartered with ownership held 90 percent by the saver/borrowers and 10 percent by the government. Local community savers are happy to provide the time and expertise to decide who gets the loans and to oversee their repayment, much like the dolphin experiment volunteers do for [url=http://www.conik.fr/hollister2014.php]hollister[/url] Earthwatch.
Most significantly, the bank puts a high emphasis on helping children acquire and pay for an education so that new kinds of human and economic harvests can be created in [url=http://www.sandvikfw.net/shopuk.php]hollister sale[/url] the future. In essence, these educational activities are also indirectly providing a base for finding and implementing new business models in the future that will provide multiple harvests as well.
Often, farms and homes are improved with these loans, and local businesses are established as well. These investments in turn help not only the borrowers, but also those who are employed by the borrowers or sell goods to [url=http://www.conik.fr/abercrombie2014.php]abercrombie pas cher[/url] them. Because the decision to give credit usually involves most of a village or small community, borrowers are most anxious to repay both because of social pressure and their desire to be deemed creditworthy in the future.
Add knowledge-development to help people directly, and you have a much more vibrant strategy. For example, immigrant communities in developed countries often pool [url=http://www.icar2013.it]Hogan Outlet[/url] excess funds to stake entrepreneurs to start small businesses, which often employ some [url=http://www.pollinate.it/category/moncler-outlet-online/]moncler outlet online[/url] of these same immigrants. Think of these pools of capital as being like fish ponds.
In the process, immigrants learn entrepreneurial and work skills that provide them more ways to earn a [url=http://www.muvilav.it]woolrich outlet[/url] living. The successes the borrowers and their workers enjoy with this [url=http://www.fm2k11.it]Moncler Outlet[/url] learning create even more funds, which can be reinvested for other purposes [url=http://www.pollinate.it/category/moncler-sito-ufficiale/]moncler sito ufficiale[/url] and other harvests.

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As a [url=http://www.host-atc.co.uk]Hollister Outlet[/url] result, default rates have been unexpectedly low considering that these are almost all "character" loans without collateral. According to the Grameen bank, the default rate has been as low as 5 percent. A default is counted after the loan is more than 2 years delinquent in payments. [url=http://www.mxitcms.com/abercrombie/]abercrombie milano[/url] Bangladesh is subject to horrible floods and storms, and default rates usually grow after these natural disasters occur.
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