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“小额信贷”(Microfinance)备受推崇

kira86 于2008-12-23发布 l 已有人浏览
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Small Loans Grow in a Big Way迅雷专用 This is the VOA Special English Development Report.Microfinance is becom
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Small Loans Grow in a Big Way


迅雷专用

This is the VOA Special English Development Report.

Microfinance is becoming a big business. It started as a way to provide very small loans to people in developing countries so they could begin to move themselves out of poverty. A few hundred dollars could mean a lot to a poor entrepreneur with a promising idea.

“小额信贷”(Microfinance),是一种城乡低收入阶层为服务对象的小规模的金融服务方式。小额信贷旨在通过金融服务为贫困农户或微型企业提供获得自我就业和自我发展的机会,促进其走向自我生存和发展。它既是一种金融服务的创新,又是一种扶贫的重要方式。

Bangladeshi economist Mohammed Yunus won the Nobel Peace Prize in two thousand six for his work with banking for the poor. He formed the Grameen Bank in nineteen eighty-three. Today there are microfinance providers all over the world.

And anyone can be a microlender through a site like Kiva.org. You choose a project and provide at least twenty-five dollars of the amount requested. Three out of four loans have gone to women, which is common with microfinance.

Kiva spokeswoman Fiona Ramsey says the site has grown even with the economic downturn. The total value of loans made through Kiva, she says, is nearing fifty-two million dollars.

The downturn has not had a big effect on loan repayments either. The current repayment rate is ninety-seven percent. But Fiona Ramsey says that because of the credit crisis, microfinance organizations are finding it harder to get loans from banks.

Kiva works with microfinance organizations in forty-two countries. These "field partners" keep the interest charged on the loans. The average term is twelve months. And the average interest rate is almost twenty-three percent.

Returns like that help explain why microfinance now includes big banks and other lenders. Mohammed Yunus has said he worries that lenders may be more interested in profits than poverty reduction.

He supports a new effort based in the United States called MicroFinance Transparency. The aim is to prevent abuses by letting borrowers compare pricing information from different lenders. Its creator, Chuck Waterfield, calls it "an industry-based truth-in-lending effort."

Borrowers, he says, are often misled about the true price of a loan. "For twenty years we set the price to cover the cost. Now, some organizations are setting the price to whatever they can get away with," he says.

The first step is to publish information collected from eight countries. Chuck Waterfield says information from Peru, Bosnia and Cambodia will appear in February at the Web site mftransparency.org. He says the others, including at least one country from Africa, will follow a few months later.

And that's the VOA Special English Development Report, written by Karen Leggett. I’m Jim Tedder.

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