Tazul Islam - Academia.edu (original) (raw)
Books by Tazul Islam
Routledge, 2016
It is no exaggeration to say that this book would not have been written if I had not the moral su... more It is no exaggeration to say that this book would not have been written if I had not the moral support from Professor Dr Yoichi Izumida, Department of Agricultural and Resource Economics, The University of Tokyo. He has stimulated my interest in writing the manuscript of the book and helped and guided me every step of the way. I am indebted to him for opening my eyes to contemporary theories and realities of microfinance movement that have become central for analyzing the gap between the intent and content of this movement.
Routledge, 2016
Microcredit and Poverty Alleviation
Papers by Tazul Islam
Heliyon
Background: Although half of Rohingya refugees are women and adolescent girls, the sexual and rep... more Background: Although half of Rohingya refugees are women and adolescent girls, the sexual and reproductive health issues of these vulnerable groups are still unexplored. The aim of this study was to review and describe menstrual hygiene management (MHM) along with the existing challenges of MHM among Rohingya adolescent girls. Methods: This concurrent mixed methods study was conducted among adolescents aged 13-18 years living in Kutupalong refugee camps in Ukhiya, Cox's Bazar, Bangladesh. Camp-based surveys along with focus group discussions were performed for data collection. The findings of a total of 12 FGDs and 101 survey responses were included for data analysis. Descriptive statistics were used for quantitative data analysis, and thematic analysis was considered for the qualitative data. Observation and results: Approximately one-fourth of the adolescent girls (28.71%) had premenstrual knowledge. Only 8% had "Good" knowledge, and 12% had a basic understanding. Half of the women used cloths during menstruation, while others (20.79%) used homemade clean pads, disposable sanitary pads (17.82%), and used only underwear without absorbance (10.89%). The frequency of changing sanitary pads varied, but the majority of respondents (48.51%) changed padding at least once daily. Common disposal places were inside the toilet (30.69%), open spaces (17.82%), dustbins (6.93%) and water sources (3.96%). An inadequate and irregular supply of sanitary napkins or absorbents leads to poor MH practices. Limited cleaning and disposal facilities, lack of privacy in camps or informal settlements, confined and crowded places and nonsupportive environments in the camp were also factors affecting the use of pads and disposal. Family and cultural beliefs, stigma, restrictions, and fear of sexual violence were also noted within typical day-today activities during menstruation. Conclusions: The provision of adolescent-friendly wash facilities, appropriate information and adequate menstrual supplies is needed to improve the MH response in an emergency context. Despite some limitations, this study could lead to future changes relative to MH for women and adolescents in Rohingya.
The wisdom in rural finance has long been that lending to and saving by the poor is doomed to fai... more The wisdom in rural finance has long been that lending to and saving by the poor is doomed to failure: costs are too high, they are not creditworthy and they are not able to save. A number of success stories in microfinance industry (MFI) have changed this pessimistic assessment during the past twenty years or so. Recounting the failure of
Jounal of the Institute of Business Studies , 2004
Microcredit is the extension of small amount of collateral-free institutional loans to jointly li... more Microcredit is the extension of small amount of collateral-free institutional loans to jointly liable poor group members for their self employment and income generation. Microcredit programmes are credited with an amazing array of beneficial impacts. Microcredit helps the poor households to improve their lives through their own labor Access to microcredit is created with reaching the poorest and increasing their income to have sustainable impact in alleviating rural poverty with providing a cost-effective , sustainable development model that is applicable not just in developing countries but also among poorer communities in the developed world.
AIUB Faculty Journal, 2009
This paper explores the prospects of the Grameen Phase Two also Known as the Grameen Generalized ... more This paper explores the prospects of the Grameen Phase Two also Known as the Grameen Generalized System, in overcoming the limitations of the one-size-fits-all credit driven classical Grameen model and in the process highlights the internal and external contributing factors to the evolution of the Grameen Phase Two, the changes made in Grameen Two, compares and contrasts between the classical Grameen and the Grameen Phase Two, the impact of the Grameen Two. The paper in its kitty, has won the woldwide reputation as the pioneer of microcredit movement with the introduction of Grameen Phase Two, it is now highly hoped that it can successfully move into the much-needed next phase of supplying client-responsive, flexible financial services.
Journal of Social and Economic Development, 2008
The Nobel Peace Prize to Professor Dr Muhammad Yunus and the concept of Grameen Bank (GB) has ref... more The Nobel Peace Prize to Professor Dr Muhammad Yunus and the concept of Grameen Bank (GB) has refreshed the public's interest in GB and microfinance in general. Looking into the GB model of microfinance, this article argues that there is a need to take stock of the services currently being provided by microfinance institutions (MFIs) for poor clients. The microfinance industry has reached a critical stage in its development, with MFIs focusing on financial sustainability through their credit-driven models, failing to make any significant achievement in poverty alleviation. This paper examines micro-credit's poverty-alleviating ability and argues that microcredit has insurmountable limitations as a model of sustainable poverty alleviation. Developing client-responsive, flexible, and quality financial and non-financial services is imperative now. Thus, the more appropriate and higher the quality of services on offer, the better will be the impact on poverty alleviation.
UITS Journal, 2012
This paper explores the principles that could and perhaps should be followed by the Microfinance ... more This paper explores the principles that could and perhaps should be followed by the Microfinance Institutions (MFIs) when considering why and when microfinance works and when and why it fails to achieve its promise of poverty alleviation.
AIUB Business Economics Working Paper Series , 2008
The wisdom in rural finance has long been that lending to and saving by the poor is doomed to fai... more The wisdom in rural finance has long been that lending to and saving by the poor is doomed to failure: costs are too high, they are not creditworthy and they are not able to save. A number of success stories in microfinance industry (MFI) have changed this pessimistic assessment during the past twenty years or so. Recounting the failure of traditional financial liberalization theory in ensuring the access of the rural poor to the institutional sources of finance, this paper, taking the Grameen Bank (GB) of Bangladesh- the cradle of microfinance movement, as a case study, argues for a continuation of the support towards institutional innovation in MFIs that will help achieve the goal of ensuring the access of the rural poor to the institutional sources of finance.
Heliyon, 2022
Background: Although half of Rohingya refugees are women and adolescent girls, the sexual and rep... more Background: Although half of Rohingya refugees are women and adolescent girls, the sexual and reproductive health issues of these vulnerable groups are still unexplored. The aim of this study was to review and describe menstrual hygiene management (MHM) along with the existing challenges of MHM among Rohingya adolescent girls. Methods: This concurrent mixed methods study was conducted among adolescents aged 13-18 years living in Kutupalong refugee camps in Ukhiya, Cox's Bazar, Bangladesh. Camp-based surveys along with focus group discussions were performed for data collection. The findings of a total of 12 FGDs and 101 survey responses were included for data analysis. Descriptive statistics were used for quantitative data analysis, and thematic analysis was considered for the qualitative data. Observation and results: Approximately one-fourth of the adolescent girls (28.71%) had premenstrual knowledge. Only 8% had "Good" knowledge, and 12% had a basic understanding. Half of the women used cloths during menstruation, while others (20.79%) used homemade clean pads, disposable sanitary pads (17.82%), and used only underwear without absorbance (10.89%). The frequency of changing sanitary pads varied, but the majority of respondents (48.51%) changed padding at least once daily. Common disposal places were inside the toilet (30.69%), open spaces (17.82%), dustbins (6.93%) and water sources (3.96%). An inadequate and irregular supply of sanitary napkins or absorbents leads to poor MH practices. Limited cleaning and disposal facilities, lack of privacy in camps or informal settlements, confined and crowded places and nonsupportive environments in the camp were also factors affecting the use of pads and disposal. Family and cultural beliefs, stigma, restrictions, and fear of sexual violence were also noted within typical day-today activities during menstruation. Conclusions: The provision of adolescent-friendly wash facilities, appropriate information and adequate menstrual supplies is needed to improve the MH response in an emergency context. Despite some limitations, this study could lead to future changes relative to MH for women and adolescents in Rohingya.
Routledge, 2016
It is no exaggeration to say that this book would not have been written if I had not the moral su... more It is no exaggeration to say that this book would not have been written if I had not the moral support from Professor Dr Yoichi Izumida, Department of Agricultural and Resource Economics, The University of Tokyo. He has stimulated my interest in writing the manuscript of the book and helped and guided me every step of the way. I am indebted to him for opening my eyes to contemporary theories and realities of microfinance movement that have become central for analyzing the gap between the intent and content of this movement.
Routledge, 2016
Microcredit and Poverty Alleviation
Heliyon
Background: Although half of Rohingya refugees are women and adolescent girls, the sexual and rep... more Background: Although half of Rohingya refugees are women and adolescent girls, the sexual and reproductive health issues of these vulnerable groups are still unexplored. The aim of this study was to review and describe menstrual hygiene management (MHM) along with the existing challenges of MHM among Rohingya adolescent girls. Methods: This concurrent mixed methods study was conducted among adolescents aged 13-18 years living in Kutupalong refugee camps in Ukhiya, Cox's Bazar, Bangladesh. Camp-based surveys along with focus group discussions were performed for data collection. The findings of a total of 12 FGDs and 101 survey responses were included for data analysis. Descriptive statistics were used for quantitative data analysis, and thematic analysis was considered for the qualitative data. Observation and results: Approximately one-fourth of the adolescent girls (28.71%) had premenstrual knowledge. Only 8% had "Good" knowledge, and 12% had a basic understanding. Half of the women used cloths during menstruation, while others (20.79%) used homemade clean pads, disposable sanitary pads (17.82%), and used only underwear without absorbance (10.89%). The frequency of changing sanitary pads varied, but the majority of respondents (48.51%) changed padding at least once daily. Common disposal places were inside the toilet (30.69%), open spaces (17.82%), dustbins (6.93%) and water sources (3.96%). An inadequate and irregular supply of sanitary napkins or absorbents leads to poor MH practices. Limited cleaning and disposal facilities, lack of privacy in camps or informal settlements, confined and crowded places and nonsupportive environments in the camp were also factors affecting the use of pads and disposal. Family and cultural beliefs, stigma, restrictions, and fear of sexual violence were also noted within typical day-today activities during menstruation. Conclusions: The provision of adolescent-friendly wash facilities, appropriate information and adequate menstrual supplies is needed to improve the MH response in an emergency context. Despite some limitations, this study could lead to future changes relative to MH for women and adolescents in Rohingya.
The wisdom in rural finance has long been that lending to and saving by the poor is doomed to fai... more The wisdom in rural finance has long been that lending to and saving by the poor is doomed to failure: costs are too high, they are not creditworthy and they are not able to save. A number of success stories in microfinance industry (MFI) have changed this pessimistic assessment during the past twenty years or so. Recounting the failure of
Jounal of the Institute of Business Studies , 2004
Microcredit is the extension of small amount of collateral-free institutional loans to jointly li... more Microcredit is the extension of small amount of collateral-free institutional loans to jointly liable poor group members for their self employment and income generation. Microcredit programmes are credited with an amazing array of beneficial impacts. Microcredit helps the poor households to improve their lives through their own labor Access to microcredit is created with reaching the poorest and increasing their income to have sustainable impact in alleviating rural poverty with providing a cost-effective , sustainable development model that is applicable not just in developing countries but also among poorer communities in the developed world.
AIUB Faculty Journal, 2009
This paper explores the prospects of the Grameen Phase Two also Known as the Grameen Generalized ... more This paper explores the prospects of the Grameen Phase Two also Known as the Grameen Generalized System, in overcoming the limitations of the one-size-fits-all credit driven classical Grameen model and in the process highlights the internal and external contributing factors to the evolution of the Grameen Phase Two, the changes made in Grameen Two, compares and contrasts between the classical Grameen and the Grameen Phase Two, the impact of the Grameen Two. The paper in its kitty, has won the woldwide reputation as the pioneer of microcredit movement with the introduction of Grameen Phase Two, it is now highly hoped that it can successfully move into the much-needed next phase of supplying client-responsive, flexible financial services.
Journal of Social and Economic Development, 2008
The Nobel Peace Prize to Professor Dr Muhammad Yunus and the concept of Grameen Bank (GB) has ref... more The Nobel Peace Prize to Professor Dr Muhammad Yunus and the concept of Grameen Bank (GB) has refreshed the public's interest in GB and microfinance in general. Looking into the GB model of microfinance, this article argues that there is a need to take stock of the services currently being provided by microfinance institutions (MFIs) for poor clients. The microfinance industry has reached a critical stage in its development, with MFIs focusing on financial sustainability through their credit-driven models, failing to make any significant achievement in poverty alleviation. This paper examines micro-credit's poverty-alleviating ability and argues that microcredit has insurmountable limitations as a model of sustainable poverty alleviation. Developing client-responsive, flexible, and quality financial and non-financial services is imperative now. Thus, the more appropriate and higher the quality of services on offer, the better will be the impact on poverty alleviation.
UITS Journal, 2012
This paper explores the principles that could and perhaps should be followed by the Microfinance ... more This paper explores the principles that could and perhaps should be followed by the Microfinance Institutions (MFIs) when considering why and when microfinance works and when and why it fails to achieve its promise of poverty alleviation.
AIUB Business Economics Working Paper Series , 2008
The wisdom in rural finance has long been that lending to and saving by the poor is doomed to fai... more The wisdom in rural finance has long been that lending to and saving by the poor is doomed to failure: costs are too high, they are not creditworthy and they are not able to save. A number of success stories in microfinance industry (MFI) have changed this pessimistic assessment during the past twenty years or so. Recounting the failure of traditional financial liberalization theory in ensuring the access of the rural poor to the institutional sources of finance, this paper, taking the Grameen Bank (GB) of Bangladesh- the cradle of microfinance movement, as a case study, argues for a continuation of the support towards institutional innovation in MFIs that will help achieve the goal of ensuring the access of the rural poor to the institutional sources of finance.
Heliyon, 2022
Background: Although half of Rohingya refugees are women and adolescent girls, the sexual and rep... more Background: Although half of Rohingya refugees are women and adolescent girls, the sexual and reproductive health issues of these vulnerable groups are still unexplored. The aim of this study was to review and describe menstrual hygiene management (MHM) along with the existing challenges of MHM among Rohingya adolescent girls. Methods: This concurrent mixed methods study was conducted among adolescents aged 13-18 years living in Kutupalong refugee camps in Ukhiya, Cox's Bazar, Bangladesh. Camp-based surveys along with focus group discussions were performed for data collection. The findings of a total of 12 FGDs and 101 survey responses were included for data analysis. Descriptive statistics were used for quantitative data analysis, and thematic analysis was considered for the qualitative data. Observation and results: Approximately one-fourth of the adolescent girls (28.71%) had premenstrual knowledge. Only 8% had "Good" knowledge, and 12% had a basic understanding. Half of the women used cloths during menstruation, while others (20.79%) used homemade clean pads, disposable sanitary pads (17.82%), and used only underwear without absorbance (10.89%). The frequency of changing sanitary pads varied, but the majority of respondents (48.51%) changed padding at least once daily. Common disposal places were inside the toilet (30.69%), open spaces (17.82%), dustbins (6.93%) and water sources (3.96%). An inadequate and irregular supply of sanitary napkins or absorbents leads to poor MH practices. Limited cleaning and disposal facilities, lack of privacy in camps or informal settlements, confined and crowded places and nonsupportive environments in the camp were also factors affecting the use of pads and disposal. Family and cultural beliefs, stigma, restrictions, and fear of sexual violence were also noted within typical day-today activities during menstruation. Conclusions: The provision of adolescent-friendly wash facilities, appropriate information and adequate menstrual supplies is needed to improve the MH response in an emergency context. Despite some limitations, this study could lead to future changes relative to MH for women and adolescents in Rohingya.