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Seasonal Deprivation and Microcredit in Northern Bangladesh

In: Seasonality and Microcredit

Author

Listed:
  • Tatsufumi Yamagata

    (Institute of Developing Economies, Japan External Trade Organization (IDE-JETRO))

Abstract

People in northwest Bangladesh face triple handicaps, i.e., floods, an agricultural lean season, and cold waves. The seasonal deprivation caused by the handicaps, called monga in Bengali, might be attenuated by microfinance if it reached people in need and supplied liquidity to ease their budget constraints. However, the prototype microfinance invented by Grameen Bank included a package of rules that are inharmonious with conditions in northwest Bangladesh. For instance, weekly repayments and attendance at weekly meetings are among the rules of the prototype microfinance. Seasonal floods and resulting seasonal deprivation make these conditions unrealistic. This chapter shows how Grameen Bank, PKSF and other microfinance institutions are attempting to address the rigidity of the prototype microfinance by adding various forms of flexibility in their contracts.

Suggested Citation

  • Tatsufumi Yamagata, 2014. "Seasonal Deprivation and Microcredit in Northern Bangladesh," SpringerBriefs in Economics, in: Abu S. Shonchoy (ed.), Seasonality and Microcredit, edition 127, chapter 0, pages 21-40, Springer.
    • Handle: RePEc:spr:spbchp:978-4-431-55010-5_3
    DOI: 10.1007/978-4-431-55010-5_3
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