English 中文網 漫畫網 愛新聞iNews 翻譯論壇
    中國網站品牌欄目(頻道)
    當前位置: Language Tips > Special Speed News VOA慢速

    Microcredit is expanding to new products for the poor

    [ 2012-03-29 14:09]     字號 [] [] []  
    免費訂閱30天China Daily雙語新聞手機報:移動用戶編輯短信CD至106580009009

    Microcredit is expanding to new products for the poor

    This is the VOA Special English Economics Report.

    Modern microfinance started with economist Muhammad Yunus. In the 1970s, he started what became the Grameen Bank in Bangladesh. He and the bank jointly won the Nobel Peace Prize in 2006 for the idea of offering small loans to the poor to fight poverty.

    Last month, Mr. Yunus spoke to the New York Times newspaper about lending problems in India. In 2010, reports of harmful microlending methods and corruption shook the state of Andhra Pradesh. Mr. Yunus noted Andhra Pradesh had intensive microlending activity at the time. He said things got out of control.

    We spoke to Ghiyath Nakshbendi about changes in the world of microfinance. He is an expert in international business and teaches microfinance as a business model at the Kogod School of Business at American University.

    GHIYATH NAKSHBENDI: "After what we witnessed in Andhra Pradesh, then, for example, the government of India in certain states started taking steps in order to implement, in order to introduce, regulations that will guarantee that these institutions are operating under a strict system."

    Some experts have raised questions about whether microlending lifts women or poor families out of poverty. David Roodman is with the Center for Global Development, a research group in Washington. He says microloans do not do a good job of fighting poverty. He says over three billion dollars went into microcredit in 2010. But many lenders failed because of bad supervision or failure to repay loans.

    In one model, governments or nongovernmental organizations, NGOs, give money to microcredit operations. Interest income is often used up by costs, rather than helping other poor borrowers. But Ghiyath Nakshbendi says that model is changing.

    GHIYATH NAKSHBENDI: "In the old days, when we talk about microfinance, we are talking about an operation by which the funding is coming from wealthy individuals or government, or what have you. So it is the NGO model. Then we discovered that whatever we are getting in terms of contributions, donations and what have you -- we cannot sustain the operation."

    Mr. Nakshbendi says sustainability is now a main goal.

    GHIYATH NAKSHBENDI: "We moved in the last five, six years to find ways and means by which make these operations sustainable. Sustainable means simply that, 'Yes, we are going to rely on donations, but in the meantime, we are going to encourage these borrowers to save some of their money.'"

    Money from savings can then be used for new loans. Mr. Nakshbendi says private equity companies are looking closely at microfinance as an investment. New models are being developed to offer more than business loans.

    GHIYATH NAKSHBENDI: "And now in microfinance we talk about loans to start a business. We are talking about educational loans. We are talking about construction loans. We are talking about health insurance loans and what have you."

    And that's the VOA Special English Economics Report. I'm June Simms.

    Grameen Bank: 孟加拉鄉村銀行

    Related stories:

    Microsavings could mean big gains for the world's poor

    Indian state seeks limits on microfinance after reports of abuses

    Nobel Laureate urges financial services for poor

    小額貸款公司 micro-credit company

    (來源:VOA 編輯:崔旭燕)

     
    中國日報網英語點津版權說明:凡注明來源為“中國日報網英語點津:XXX(署名)”的原創作品,除與中國日報網簽署英語點津內容授權協議的網站外,其他任何網站或單位未經允許不得非法盜鏈、轉載和使用,違者必究。如需使用,請與010-84883631聯系;凡本網注明“來源:XXX(非英語點津)”的作品,均轉載自其它媒體,目的在于傳播更多信息,其他媒體如需轉載,請與稿件來源方聯系,如產生任何問題與本網無關;本網所發布的歌曲、電影片段,版權歸原作者所有,僅供學習與研究,如果侵權,請提供版權證明,以便盡快刪除。
     

    關注和訂閱

    人氣排行

    翻譯服務

    中國日報網翻譯工作室

    我們提供:媒體、文化、財經法律等專業領域的中英互譯服務
    電話:010-84883468
    郵件:translate@chinadaily.com.cn
     
     
    无码人妻少妇伦在线电影| 亚洲av无码片vr一区二区三区| 中文字幕乱码人妻综合二区三区| 国产aⅴ无码专区亚洲av| 免费看无码特级毛片| 欧美视频中文字幕| 人妻丰满?V无码久久不卡| 无码人妻久久久一区二区三区| 再看日本中文字幕在线观看| 亚洲中文字幕无码久久综合网| 国产精品无码AV一区二区三区| 精品国产aⅴ无码一区二区 | 国产仑乱无码内谢| 无码少妇精品一区二区免费动态| 一二三四在线播放免费观看中文版视频 | 精品无码人妻一区二区免费蜜桃| 蜜桃无码AV一区二区| xx中文字幕乱偷avxx| 久别的草原在线影院电影观看中文| 国产成人无码免费网站| 无码人妻一区二区三区免费看| 亚洲中文字幕无码久久2017| 色多多国产中文字幕在线| 最新版天堂中文在线| 日本阿v网站在线观看中文| 中文日韩亚洲欧美字幕| 亚洲一级特黄无码片| 久久久久久国产精品无码下载 | 亚洲AV无码一区二区三区在线观看 | 欧美日本道中文高清| 亚洲AV无码乱码在线观看牲色| 18禁网站免费无遮挡无码中文| 国产成人亚洲综合无码精品| 人妻无码αv中文字幕久久琪琪布| 日韩人妻无码精品一专区 | 刺激无码在线观看精品视频 | 久久国产三级无码一区二区| 国产综合无码一区二区三区| 国产亚洲?V无码?V男人的天堂 | 亚洲一级Av无码毛片久久精品| 无码AV大香线蕉|