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Does RDA-credit differ from others’ microcredit? A case study of Bangladesh

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  • M.A. Majid Pramanik

    (College of Economics and Management, Northwest A&F University, 3 Taicheng Road, Yangling, Shaanxi, China-712100.)

  • Lu Qian

    (College of Economics and Management, Northwest A&F University, 3 Taicheng Road, Yangling, Shaanxi, China-712100.)

Abstract

Although Bangladesh is the pioneer adopter of modern microcredit approach but the credit mechanisms are not similar for all Microfinance Service Providers. This paper describes the credit mechanisms of Grameen Bank, Thengamara Mohila Sabuj Sangha, Association for Social Advancement, and RDA-credit. The article found that all selected microfinance service providers targeted poor clients, but their client selection process, service charge, credit allocation, priority to women, demand based credit, enterprise skill development and monitoring and supervision differed. Every institution has its own justification for adopting a distinct approach. However, RDA-credit mechanism is considered to be successful and sustainable because it has ensured supervisory and educative credit which is not common in general. It is also suggested to have mutual learning and cross fertilization among various microfinance service providers.

Suggested Citation

  • M.A. Majid Pramanik & Lu Qian, 2012. "Does RDA-credit differ from others’ microcredit? A case study of Bangladesh," E3 Journal of Business Management and Economics., E3 Journals, vol. 3(10), pages 330-340.
    • Handle: RePEc:etr:series:v:3:y:2012:i:10:p:330-340
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    References listed on IDEAS

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    1. Kuhinur, S. & Rokonuzzaman, M., 2009. "Impact of Grameen Bank micro credit on change in livelihood status of women beneficiaries," Journal of the Bangladesh Agricultural University, Bangladesh Agricultural University Research System (BAURES), vol. 7.
    2. David Roodman & Jonathan Morduch, 2014. "The Impact of Microcredit on the Poor in Bangladesh: Revisiting the Evidence," Journal of Development Studies, Taylor & Francis Journals, vol. 50(4), pages 583-604, April.
    3. James C. Brau & Gary M. Woller, 2004. "Microfinance: A Comprehensive Review of the Existing Literature," Journal of Entrepreneurial Finance, Pepperdine University, Graziadio School of Business and Management, vol. 9(1), pages 1-28, Spring.
    4. Zaman, Hassan, 2004. "The scaling-up of microfinance in Bangladesh : determinants, impact, and lessons," Policy Research Working Paper Series 3398, The World Bank.
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    1. Dr. Ishrat Jahan, 2018. "Promises vs. Realities of Women in Development (WID: Microcredit and Women’s Enterprising Work in Rural Bangladesh," International Journal of World Policy and Development Studies, Academic Research Publishing Group, vol. 4(2), pages 6-19, 04-2018.

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