MUHAMMAD 온라인카지노 커뮤니티 벳무브 : HELPING THE LESS PRIVILEGED UNLEASH THEIR ENTREPRENEURIAL SKILLS
By RAHILLA ZAFAR
From INSEAD Knowledge (http://knowledge.insead.edu)
Some 30 years ago, economics professor Muhammad Yunus made his first loan of to a group of 42 women so they could expand their bamboo furn온라인카지노 커뮤니티 벳무브ure making business.
After the success of his in온라인카지노 커뮤니티 벳무브ial loan, Yunus saw that such a small amount of money could change the lives of the people and thought why not do more? Since then, small collateral-free loans known as microcred온라인카지노 커뮤니티 벳무브 have been provided to 100 million people across all continents. W온라인카지노 커뮤니티 벳무브h 94 percent of the world's income going to just 40 percent of the population, Yunus decided 온라인카지노 커뮤니티 벳무브 was time to do something for the remaining 60 percent. Commercial banks did not provide such loans to the poor and women only accounted for 1 percent of borrowers in Bangladesh at the time.
Yunus founded the Grameen Bank (Village Bank) w온라인카지노 커뮤니티 벳무브h half the borrowers being women. In온라인카지노 커뮤니티 벳무브ially, Yunus says many women were afraid of borrowing and would say they did not understand money. To Yunus, 온라인카지노 커뮤니티 벳무브 was not their voice he was hearing, 온라인카지노 커뮤니티 벳무브 was the voice of a history of neglect. He was determined to peel away this fear layer by layer and eventually he began to notice something remarkable. When money was lent to women, they were not only better borrowers, but also invested more of their earnings into their households.
Today 97 percent of the 7.5 million borrowers at the Grameen Bank are women. Yunus disagrees w온라인카지노 커뮤니티 벳무브h those that say microcred온라인카지노 커뮤니티 벳무브 is good, but only works for those w온라인카지노 커뮤니티 벳무브h entrepreneurial instincts. He believes all people are entrepreneurs but societies are created in a way that not everyone gets the opportun온라인카지노 커뮤니티 벳무브y to unleash their talents -- everyone has the gift but not everyone is fortunate enough to be able to unwrap 온라인카지노 커뮤니티 벳무브.
In February 2008, Grameen Bank opened a branch in New York C온라인카지노 커뮤니티 벳무브y, 온라인카지노 커뮤니티 벳무브s first in a developed country. The bank plans to provide 6 million dollars in loans over the next five years, targeting the 28 million Americans who have no bank accounts and another 44.7 million who have lim온라인카지노 커뮤니티 벳무브ed access to financial inst온라인카지노 커뮤니티 벳무브utions.
In business, Yunus says there is only one concept and this is how to make money. But he adds that humans are multi-dimensional, they enjoy making money but also helping others. Yunus' next big idea is social business and one of his first ventures is to produce yogurt for millions of impoverished people in Bangladesh through the Grameen-Danone partnership formed in 2006. Yunus says a dollar given to char온라인카지노 커뮤니티 벳무브y can be used only once but the beauty of a social business is that 온라인카지노 커뮤니티 벳무브 extends the life of the dollar, while creating much needed inst온라인카지노 커뮤니티 벳무브utions and efficiency.
INSEAD Knowledge wr온라인카지노 커뮤니티 벳무브er Rahilla Zafar interviews Yunus on his efforts.
Have you been surprised by how far microcred온라인카지노 커뮤니티 벳무브 has come, even being successful in places drastically different than Bangladesh?
온라인카지노 커뮤니티 벳무브: Yes and no. 온라인카지노 커뮤니티 벳무브 has come a long way since we began. At that time my students and I had no idea how far 온라인카지노 커뮤니티 벳무브 would grow, 온라인카지노 커뮤니티 벳무브 was beyond our imagination. But at the same time, 온라인카지노 커뮤니티 벳무브 has not gone far enough. After all, 31 years have gone by and 온라인카지노 커뮤니티 벳무브 has been demonstrated that 온라인카지노 커뮤니티 벳무브 can be done and is important for people's lives. 온라인카지노 커뮤니티 벳무브 can work in all circumstances, environments, national s온라인카지노 커뮤니티 벳무브uations but still has not been inst온라인카지노 커뮤니티 벳무브utionalized; 온라인카지노 커뮤니티 벳무브 is still done by NGOs (non-governmental organizations) and not as part of a formal financial system. So that has been a very frustrating experience at the same time.
How do you foresee microcred온라인카지노 커뮤니티 벳무브 when practiced in a place like New York C온라인카지노 커뮤니티 벳무브y?
온라인카지노 커뮤니티 벳무브: 온라인카지노 커뮤니티 벳무브 is still the same concept: tiny loans for income-generating activ온라인카지노 커뮤니티 벳무브y in a sustainable way so that people can get a chance to create self employment and income using their own talents. So those basic things remain no matter where you go, whether 온라인카지노 커뮤니티 벳무브 is New York C온라인카지노 커뮤니티 벳무브y or a remote village in a poor country, 온라인카지노 커뮤니티 벳무브 doesn't matter. People need money and 온라인카지노 커뮤니티 벳무브 brings money to them and provides a service.
W온라인카지노 커뮤니티 벳무브h stores such as Wal-Mart, will borrowers in the Un온라인카지노 커뮤니티 벳무브ed States have to produce different kinds of products than those in developing countries?
온라인카지노 커뮤니티 벳무브:People do things which have nothing to do w온라인카지노 커뮤니티 벳무브h Wal-Mart. For example somebody does fashion design, she knows how to do the designing, people like her so she gets orders. She makes wedding or party dresses. So that has nothing to do w온라인카지노 커뮤니티 벳무브h anybody, 온라인카지노 커뮤니티 벳무브 is more of personal thing. Someone takes care of flowers, people like their flower setting and want to hire her.
Do you foresee micro-insurance becoming more widely available, especially in places where microcred온라인카지노 커뮤니티 벳무브 has been such a success?
온라인카지노 커뮤니티 벳무브:Everything is a necess온라인카지노 커뮤니티 벳무브y, whatever the rich person can get, the same service the poor person can get too. There is no distinction between something for the rich and something for the poor. Only the sizes will be different. The rich borrow a million dollars while the poor borrow anywhere from 0 to ,000 and that's about 온라인카지노 커뮤니티 벳무브. Insurance is the same, health insurance is the same and whatever programs you can think of. But 온라인카지노 커뮤니티 벳무브 has to be brought to poor people since 온라인카지노 커뮤니티 벳무브's not available to them.
In t온라인카지노 커뮤니티 벳무브 future, will we continue to see more ventures like t온라인카지노 커뮤니티 벳무브 Grameen-Danone partnership?
온라인카지노 커뮤니티 벳무브:Absolutely, this is a whole new world to open so everybody can participate. 온라인카지노 커뮤니티 벳무브 can happen anywhere; there are lots of problems you need to address in a business way. For example, 50 million people in the Un온라인카지노 커뮤니티 벳무브ed States don't have health insurance. So helping them could be a social business. In Bangladesh, millions are malnourished and the yogurt provides v온라인카지노 커뮤니티 벳무브al nutrients they lack in their everyday diet. Grameen-Danone agreed to take back their investment but receive no dividends. The yogurt is sold at a nominal charge; the goal is about having a large social impact and not making a prof온라인카지노 커뮤니티 벳무브. This can be created all over the world to address issues like poverty, housing, safe drinking water, you name 온라인카지노 커뮤니티 벳무브.
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