Microfinance Engagements of the ‘Graduated’ TUP members

Despite the slogan of ‘credit for the poorest of the poor’, the poorest have not fully benefited from the microfinance revolution of the late 90s in Bangladesh. To bring these ‘left out’ group into the mainstream microfinance, BRAC’s CFPR/TUP program assists them to build-up an asset base (physical,...

Ful tanımlama

Detaylı Bibliyografya
Asıl Yazarlar:	Sulaiman, Munshi, Matin, Imran, Siddiquee, M Shahadat Hossain, Barua, Proloy, Alarakhaia, Safeena, Iyer, Vidya
Materyal Türü:	Working paper
Baskı/Yayın Bilgisi:	BRAC Research and Evaluation Division and Aga Khan Foundation Canada 2022
Konular:	Asset base Bangladesh Microfinance Ultra-Poor Women
Online Erişim:	http://hdl.handle.net/10361/16220

id	10361-16220
record_format	dspace
spelling	10361-162202023-02-08T10:05:26Z Microfinance Engagements of the ‘Graduated’ TUP members Sulaiman, Munshi Matin, Imran Siddiquee, M Shahadat Hossain Barua, Proloy Alarakhaia, Safeena Iyer, Vidya Asset base Bangladesh Microfinance Ultra-Poor Women Despite the slogan of ‘credit for the poorest of the poor’, the poorest have not fully benefited from the microfinance revolution of the late 90s in Bangladesh. To bring these ‘left out’ group into the mainstream microfinance, BRAC’s CFPR/TUP program assists them to build-up an asset base (physical, human and social) so that they can have meaningful participation in microfinance activities. After the ‘grant’ phase of the program which lasts for 18 months, as the first step towards the ‘graduation process’, the ultra-poor women form their own groups and are offered small amounts of credit. This study takes a look at the beneficiaries who were selected in the first round in 2002 to explain various dimensions of their engagement with microfinance. With a lower borrower-member ratio and relatively smaller sized credit, microfinance for the poorest may take longer to achieve sustainability. Even within the ultra-poor household group, the better-off ones are more likely to engage themselves with microfinance. Their engagement in semi-formal microfinance does not reduce involvement in the informal financial market. Along with credit, accumulating savings is of utmost importance for the ultra-poor households and their informal savings have increased. Given that almost a quarter of the TUP members may not be credit takers, the importance of appropriate savings products cannot be overemphasized. More innovations in this regard are thus critical. 2022-02-10T04:27:50Z 2022-02-10T04:27:50Z 2006-02 Working paper http://hdl.handle.net/10361/16220 application/pdf BRAC Research and Evaluation Division and Aga Khan Foundation Canada
institution	Brac University
collection	Institutional Repository
topic	Asset base Bangladesh Microfinance Ultra-Poor Women
spellingShingle	Asset base Bangladesh Microfinance Ultra-Poor Women Sulaiman, Munshi Matin, Imran Siddiquee, M Shahadat Hossain Barua, Proloy Alarakhaia, Safeena Iyer, Vidya Microfinance Engagements of the ‘Graduated’ TUP members
description	Despite the slogan of ‘credit for the poorest of the poor’, the poorest have not fully benefited from the microfinance revolution of the late 90s in Bangladesh. To bring these ‘left out’ group into the mainstream microfinance, BRAC’s CFPR/TUP program assists them to build-up an asset base (physical, human and social) so that they can have meaningful participation in microfinance activities. After the ‘grant’ phase of the program which lasts for 18 months, as the first step towards the ‘graduation process’, the ultra-poor women form their own groups and are offered small amounts of credit. This study takes a look at the beneficiaries who were selected in the first round in 2002 to explain various dimensions of their engagement with microfinance. With a lower borrower-member ratio and relatively smaller sized credit, microfinance for the poorest may take longer to achieve sustainability. Even within the ultra-poor household group, the better-off ones are more likely to engage themselves with microfinance. Their engagement in semi-formal microfinance does not reduce involvement in the informal financial market. Along with credit, accumulating savings is of utmost importance for the ultra-poor households and their informal savings have increased. Given that almost a quarter of the TUP members may not be credit takers, the importance of appropriate savings products cannot be overemphasized. More innovations in this regard are thus critical.
format	Working paper
author	Sulaiman, Munshi Matin, Imran Siddiquee, M Shahadat Hossain Barua, Proloy Alarakhaia, Safeena Iyer, Vidya
author_facet	Sulaiman, Munshi Matin, Imran Siddiquee, M Shahadat Hossain Barua, Proloy Alarakhaia, Safeena Iyer, Vidya
author_sort	Sulaiman, Munshi
title	Microfinance Engagements of the ‘Graduated’ TUP members
title_short	Microfinance Engagements of the ‘Graduated’ TUP members
title_full	Microfinance Engagements of the ‘Graduated’ TUP members
title_fullStr	Microfinance Engagements of the ‘Graduated’ TUP members
title_full_unstemmed	Microfinance Engagements of the ‘Graduated’ TUP members
title_sort	microfinance engagements of the ‘graduated’ tup members
publisher	BRAC Research and Evaluation Division and Aga Khan Foundation Canada
publishDate	2022
url	http://hdl.handle.net/10361/16220
work_keys_str_mv	AT sulaimanmunshi microfinanceengagementsofthegraduatedtupmembers AT matinimran microfinanceengagementsofthegraduatedtupmembers AT siddiqueemshahadathossain microfinanceengagementsofthegraduatedtupmembers AT baruaproloy microfinanceengagementsofthegraduatedtupmembers AT alarakhaiasafeena microfinanceengagementsofthegraduatedtupmembers AT iyervidya microfinanceengagementsofthegraduatedtupmembers
_version_	1814309127099252736

Microfinance Engagements of the ‘Graduated’ TUP members

Benzer Materyaller