MD SHAJUL ISLAM - Academia.edu (original) (raw)

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Papers by MD SHAJUL ISLAM

Research paper thumbnail of The Success of Microcredit in Bangladesh: Supplementing 'Group Lending' Explanation with Institutional Understanding

Bangladesh has seen a phenomenal rise of the microcredit sector in terms of outreach, number of b... more Bangladesh has seen a phenomenal rise of the microcredit sector in terms of outreach, number of borrowers, amount of loans disbursed and institutions engaged. This study regards this as evidence of the institutional and socioeconomic successes of the microcredit model. In the institutional approach of success understanding – by taking a slightly different view than Joseph Stiglitz on the role of group mechanism of homogenous borrowers, the study examines the group formation, monitoring and supervision for explaining the high recovery rate of microcredit. The socioeconomic success of microcredit is assessed on the basis of indicators of the microcredit borrowers. The current debate on microcredit seems to understate these successes.

Research paper thumbnail of The Success of Microcredit in Bangladesh: Supplementing 'Group Lending' Explanation with Institutional Understanding

Bangladesh has seen a phenomenal rise of the microcredit sector in terms of outreach, number of b... more Bangladesh has seen a phenomenal rise of the microcredit sector in terms of outreach, number of borrowers, amount of loans disbursed and institutions engaged. This study regards this as evidence of the institutional and socioeconomic successes of the microcredit model. In the institutional approach of success understanding – by taking a slightly different view than Joseph Stiglitz on the role of group mechanism of homogenous borrowers, the study examines the group formation, monitoring and supervision for explaining the high recovery rate of microcredit. The socioeconomic success of microcredit is assessed on the basis of indicators of the microcredit borrowers. The current debate on microcredit seems to understate these successes.

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