Worldwide, microcredit has been recognised as a successful innovation in poverty alleviation. However, some claim that microcredit exacerbates poverty in developing countries. This study examines cases in Bangladesh where microcredit has actually worsened poverty among borrowers and investigates the underlying reasons for this adverse trend. Our results show that microcredit can exacerbate poverty in four interrelated circumstances. We argue that households living in extreme conditions of poverty who possess minimal or no surplus financial capacity to cope with contingencies are prone to adverse effects of microcredit, and suggest ways to avoid microcredit borrowers falling victims to such unintended consequences.
Le microcrédit peut-il aggraver la pauvreté ? Quelques cas de pauvreté exacerbée au Bangladesh
De par le monde, le microcrédit a été reconnu comme une innovation efficace en vue de réduire la pauvreté. Cependant, certains affirment que le microcrédit exacerbe la pauvreté dans les pays en développement. Cette étude traite de cas observés au Bangladesh où le microcrédit a de fait aggravé la pauvreté parmi les emprunteurs et se penche sur les raisons sous-jacentes de cette tendance négative. Nos résultats montrent que le microcrédit peut exacerber la pauvreté dans quatre situations interconnectées. Nous soutenons que les ménages qui vivent dans des conditions extrêmes de pauvreté et qui possèdent une capacité financière minime ou inexistante pour faire face aux imprévus sont sujets aux effets négatifs du microcrédit et nous suggérons des manières d'éviter que les récipiendaires de microcrédit deviennent les victimes de conséquences non voulues de ce type.
O microcrédito pode agravar a pobreza? Casos de pobreza exacerbada em Bangladesh
No mundo todo, o microcrédito tem sido reconhecido como uma inovação bem-sucedida na redução da pobreza. Porém, alguns afirmam que o microcrédito agrava a pobreza em países em desenvolvimento. Este estudo examina casos em Bangladesh em que o microcrédito na verdade tem agravado a pobreza entre tomadores de empréstimo e investiga as razões subjacentes para esta tendência adversa. Nossos resultados mostram que o microcrédito pode agravar a pobreza em quatro circunstâncias inter-relacionadas. Argumentamos que as famílias que vivem em condições extremas de pobreza e que possuem mínima ou nenhuma capacidade financeira excedente para lidar com contingências são suscetíveis aos efeitos adversos do microcrédito e sugerimos maneiras de se evitar que os tomadores de microcrédito tornem-se vítimas de tais consequências não pretendidas.
¿Pueden los microcréditos incrementar la pobreza? Casos donde aumentó la pobreza en Bangladesh
Los microcréditos han sido ampliamente reconocidos como una iniciativa eficaz para disminuir la pobreza. Sin embargo, hay quienes afirman que los microcréditos incrementan la pobreza que ya existe en los países en desarrollo. Este ensayo analiza diversos casos en Bangladesh, donde se ha comprobado que los microcréditos agudizaron la pobreza de los prestatarios, e investiga las principales causas de esta tendencia negativa. Los autores señalan que los microcréditos pueden incrementar la pobreza en cuatro circunstancias que se relacionan entre sí. Sostienen también que las familias que viven en condiciones de pobreza extrema y cuentan con una mínima reserva financiera para imprevistos, o con ninguna, tienden a sufrir los efectos adversos de los microcréditos. El ensayo sugiere maneras de evitar que los prestatarios se expongan a estas consecuencias no previstas de los microcréditos. 相似文献
Fashion, accessories, and homeware fall outside the regulations of Fairtrade Labelling Organizations International (FLO), which certifies mostly food products. A handful of fashion-led Fair Trade enterprises are now providing ranges of high-quality desirable products, made by workers employed in urban enterprises as well as independent producers in cooperatives. Tabeisa, an NGO involved in Fair Trade retailing, has developed a new regulatory framework which uniquely starts by defining the relations of production between all actors in the chain. This ensures that those not previously covered by existing standards are made visible and receive fair pay and conditions. 相似文献
This article focuses on one of the assumptions of corporate social responsibility (CSR), namely its usefulness as a tool for eradicating poverty. The claims that business and CSR strategies can be effective in fighting poverty face major challenges, in particular the wide divergence of understandings about the notion and implementation of CSR, and the absence of clear understanding of underlying ideological bases concerning business and poverty. The authors find that, although usually considered as ideologically neutral, the CSR discourse requires the introduction of ideological debate if it is to meet the goal of poverty eradication. 相似文献
The adoption of techniques to elicit community participation in development practice is an important step forward. The question remains whether this is sufficient for development outcomes that accord with the aspirations of ‘participants’. Community perceptions are somewhat different, as our own conclusions demonstrate. We have developed a ‘methodology of inclusiveness’, based on community institutions which embed collective social action in everyday life. We use the analogy of funerals as collective action in which activities are planned, roles are demarcated, responsibilities are assigned, and desired outcomes are realised. We ask the question: why can't development be managed more like a funeral? 相似文献