Working with the ultra poor: learnings from BRAC experiences

This paper describes BRAC experiences of working with the ultra poor over the last two · decades. The ultra poor is the poorest section among the population with a few or no asset base, highly vulnerable to any shocks and mainly depending on wage labour. The main causes of their poverty, especial...

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Huvudupphovsmän:	Halder, Shantana R., Mosley, Paul
Materialtyp:	Research report
Språk:	English
Publicerad:	BRAC 2019
Ämnen:	Ultra poor BRAC experiences IGVGD Poor > Bangladesh. Microfinance > Bangladesh.
Länkar:	http://hdl.handle.net/10361/13114

id	10361-13114
record_format	dspace
spelling	10361-131142019-11-26T21:01:20Z Working with the ultra poor: learnings from BRAC experiences Halder, Shantana R. Mosley, Paul Ultra poor BRAC experiences IGVGD Poor--Bangladesh. Microfinance--Bangladesh. This paper describes BRAC experiences of working with the ultra poor over the last two · decades. The ultra poor is the poorest section among the population with a few or no asset base, highly vulnerable to any shocks and mainly depending on wage labour. The main causes of their poverty, especially in the rural areas, are poverty inheritance, loss of income earner and ill health. Although microfinance is targeted to the poor, the ultra poor lacking livelihood resources are reluctant to borrow credit with the fear of being overburdened. They need a critical push to uplift their initial endowment base to a certain level which is necessary for getting greater access to other resources and their productive utilization. The BRAC Income Generation for Vulnerable Group Development (IGVGD) follows that kind of approach for creating a missing links in the ladder that helps the poor to participate in the manifolds of the development process. IGVGD is an integrated package of food distribution, savings, micro-credit provision, social awareness-building and skill development training and essential health care interventions. Different study findings conducted within the county and outside indicate that IGVGD is very successful and also costeffective in reaching the ultra poor. But what is important to note that the female coming from male headed households can participate more fully in the IGVGD programmne activities and it is the men who use NGO credit and husbands' income are the primary source of installment payments. A quarter of the IGVGD women did not gain any long term benefits. The the female-headed households who lack resources were among those who could make less use of the services on offer and, therefore, return to their destitution after the end of food ration. That means there is a need to rethink further what fits better to this specific group of population. They need a critical push with a view to unleashing a process that would allow them to exit the poverty trap and attain a more selfsustaining livelihood. Challenging the frontiers of poverty (CFPR) is a special investment package of BRAC involves giving selected women and their families productive assets such as cows, small grocery shops, or poultry, specialized skill training on how to run a business with their asset, a stipend provision for the first few months, subsidized healthcare as well as social support and confidence building training. a new initiative of BRAC which There are also another 10% of the ultra poor who were excluded from IGVGD for being too old or disabled. It means IGVGD can not address the specific constraints of the most distressed women in Bangladesh. 2019-11-26T04:28:06Z 2019-11-26T04:28:06Z 2002-12 Research report Halder, S. R., & Mosley, P. (2002, December). Working with the ultra poor: learnings from BRAC experiences. Research Reports (2002): Economic Studies, Vol - XVIII, 1–24. http://hdl.handle.net/10361/13114 en application/pdf BRAC
institution	Brac University
collection	Institutional Repository
language	English
topic	Ultra poor BRAC experiences IGVGD Poor--Bangladesh. Microfinance--Bangladesh.
spellingShingle	Ultra poor BRAC experiences IGVGD Poor--Bangladesh. Microfinance--Bangladesh. Halder, Shantana R. Mosley, Paul Working with the ultra poor: learnings from BRAC experiences
description	This paper describes BRAC experiences of working with the ultra poor over the last two · decades. The ultra poor is the poorest section among the population with a few or no asset base, highly vulnerable to any shocks and mainly depending on wage labour. The main causes of their poverty, especially in the rural areas, are poverty inheritance, loss of income earner and ill health. Although microfinance is targeted to the poor, the ultra poor lacking livelihood resources are reluctant to borrow credit with the fear of being overburdened. They need a critical push to uplift their initial endowment base to a certain level which is necessary for getting greater access to other resources and their productive utilization. The BRAC Income Generation for Vulnerable Group Development (IGVGD) follows that kind of approach for creating a missing links in the ladder that helps the poor to participate in the manifolds of the development process. IGVGD is an integrated package of food distribution, savings, micro-credit provision, social awareness-building and skill development training and essential health care interventions. Different study findings conducted within the county and outside indicate that IGVGD is very successful and also costeffective in reaching the ultra poor. But what is important to note that the female coming from male headed households can participate more fully in the IGVGD programmne activities and it is the men who use NGO credit and husbands' income are the primary source of installment payments. A quarter of the IGVGD women did not gain any long term benefits. The the female-headed households who lack resources were among those who could make less use of the services on offer and, therefore, return to their destitution after the end of food ration. That means there is a need to rethink further what fits better to this specific group of population. They need a critical push with a view to unleashing a process that would allow them to exit the poverty trap and attain a more selfsustaining livelihood. Challenging the frontiers of poverty (CFPR) is a special investment package of BRAC involves giving selected women and their families productive assets such as cows, small grocery shops, or poultry, specialized skill training on how to run a business with their asset, a stipend provision for the first few months, subsidized healthcare as well as social support and confidence building training. a new initiative of BRAC which There are also another 10% of the ultra poor who were excluded from IGVGD for being too old or disabled. It means IGVGD can not address the specific constraints of the most distressed women in Bangladesh.
format	Research report
author	Halder, Shantana R. Mosley, Paul
author_facet	Halder, Shantana R. Mosley, Paul
author_sort	Halder, Shantana R.
title	Working with the ultra poor: learnings from BRAC experiences
title_short	Working with the ultra poor: learnings from BRAC experiences
title_full	Working with the ultra poor: learnings from BRAC experiences
title_fullStr	Working with the ultra poor: learnings from BRAC experiences
title_full_unstemmed	Working with the ultra poor: learnings from BRAC experiences
title_sort	working with the ultra poor: learnings from brac experiences
publisher	BRAC
publishDate	2019
url	http://hdl.handle.net/10361/13114
work_keys_str_mv	AT haldershantanar workingwiththeultrapoorlearningsfrombracexperiences AT mosleypaul workingwiththeultrapoorlearningsfrombracexperiences
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Working with the ultra poor: learnings from BRAC experiences

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