The Scaling-Up of Microfinance in Bangladesh: Determinants, Impact, and Lessons

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dc.creatorZaman, Hassan
dc.date2013-06-24T14:20:38Z
dc.date2013-06-24T14:20:38Z
dc.date2004-09
dc.date.accessioned2026-07-01T01:11:09Z
dc.descriptionThe microfinance industry in Bangladesh currently provides access to credit to around 13 million poor households. The author describes the factors that led to the scaling-up of micro-credit in Bangladesh, the impact this has had on the poor, future challenges in Bangladesh, and possible lessons for other countries. The consensus in the literature is that micro-credit plays a significant role in reducing household vulnerability to a number of risks and that it contributes to improving social indicators. The author argues that strategic donor investments in a handful of well-managed institutions that offer a simple, easily replicable financial product could lead to large gains in access to finance for the poor. However, this approach could sacrifice other objectives of financial sector development, such as product and institutional diversity, which could be promoted after the initial expansion has taken place. Governments can also have a crucial role in promoting access to microfinance by ensuring macroeconomic stability, enforcing a simple regulatory structure, and developing communications networks that reduce transaction costs. Another lesson is that while visionary leadership cannot simply be franchised, the internal management systems that led to the scaling-up can be replicated in other settings.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2004/09/5138609/scaling-up-microfinance-bangladesh-determinants-impact-lessons
dc.identifierhttps://hdl.handle.net/10986/14137
dc.identifierhttps://doi.org/10.1596/1813-9450-3398
dc.identifier.urihttp://hdl.handle.net/123456789/415920
dc.languageEnglish
dc.languageen_US
dc.publisherWorld Bank, Washington, D.C.
dc.relationPolicy Research Working Paper;No.3398
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCOUNTABILITY
dc.subjectAPEX
dc.subjectAPEX INSTITUTIONS
dc.subjectAUDITS
dc.subjectAUTONOMY
dc.subjectBORROWING
dc.subjectCAPITAL BASE
dc.subjectCAPITALIZATION
dc.subjectCIVIL SERVICE
dc.subjectCOMMERCIAL BANKS
dc.subjectCONSOLIDATION
dc.subjectCONSUMPTION SMOOTHING
dc.subjectCORPORATE GOVERNANCE
dc.subjectCURRENT ACCOUNT
dc.subjectDECISION MAKING
dc.subjectDEFICITS
dc.subjectDEPOSITS
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC STABILITY
dc.subjectECONOMICS
dc.subjectEMPLOYMENT
dc.subjectEXCHANGE RATE
dc.subjectEXPENDITURE
dc.subjectEXTENSION SERVICES
dc.subjectEXTERNAL AUDITS
dc.subjectFINANCIAL ASSISTANCE
dc.subjectFINANCIAL SECTOR
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL TRANSACTIONS
dc.subjectFLOODS
dc.subjectGOVERNMENT REGULATIONS
dc.subjectGRAMEEN BANK
dc.subjectHOUSEHOLDS
dc.subjectINFLATION
dc.subjectINSURANCE
dc.subjectINTEREST INCOME
dc.subjectINTEREST RATES
dc.subjectINTERNAL CONTROLS
dc.subjectLEGISLATION
dc.subjectLENDING RATES
dc.subjectLEVEL PLAYING FIELD
dc.subjectLIFE INSURANCE
dc.subjectLINKAGES
dc.subjectLITERACY
dc.subjectLOAN REPAYMENT
dc.subjectLOAN SIZE
dc.subjectMANAGEMENT INFORMATION SYSTEMS
dc.subjectMARGINS
dc.subjectMICROCREDIT
dc.subjectMICROCREDIT PROGRAMS
dc.subjectMICROENTERPRISE
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INDUSTRY
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROFINANCE ORGANIZATIONS
dc.subjectMICROFINANCE SECTOR
dc.subjectNATURAL DISASTERS
dc.subjectNONFINANCIAL SERVICES
dc.subjectOPERATING COSTS
dc.subjectOUTREACH
dc.subjectPOOR HOUSEHOLDS
dc.subjectPOPULATION DENSITY
dc.subjectPOVERTY LINE
dc.subjectPURCHASES
dc.subjectREGULATORY FRAMEWORK
dc.subjectRURAL CREDIT
dc.subjectRURAL DEVELOPMENT
dc.subjectSANITATION
dc.subjectSAVINGS
dc.subjectSAVINGS MOBILIZATION
dc.subjectSUSTAINABILITY
dc.subjectTRANSACTION COSTS
dc.subjectURBAN AREAS
dc.titleThe Scaling-Up of Microfinance in Bangladesh: Determinants, Impact, and Lessons

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