Making Microcredit Work for Recipients
Through the Goldin Institute's pioneering work on Community-Based Oral Testimony in Bangladesh, we are building new ways to improve poverty alleviation strategies, especially microcredit, from the perspective of the poor.
Oversaturation of microcredit banks has led to dependency on microcredit for consumption and other non-entrepreneurial purposes in rural Bangladesh. Many household reported holding upwards of four loans at a time. In this overcrowded debt-market, it is common to cover old debts by taking out new loans from different sources (and not infrequently from the same sources), often with the encouragement of field officers.
Listening to Microcredit Recipients

Video of the “Listening to the Experiences of Microcredit Recipients” roundtable discussion hosted on June 21, 2010 in Dhaka, Bangladesh. This is the first ever conversation between microcredit lenders, regulators and recipients in Bangaldesh. The meeting was facilitated by our partner Ms. Khushi Kabir, Coordinator of Nijera Kori.

Our Team
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Executive Director
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University of Texas
Senior Advisor, Community Driven Research
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Cornell University
Microcredit Advisor
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Nijera Kori
Project Partner, Bangladesh
How to Improve Microcredit?
  • New Metrics

    High repayment rates prove that microcredit works for banks but tells us nothing about its efficacy for borrowers.

  • Balanced Approach

    Without access to complementary services, recipients are often forced to use their loans to address immediate needs.

  • Listen to Recipients

    Listening to the insights of recipients ensures that microcredit empowers, rather than exploits, borrowers.

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