beginning of the 70th Yunus was a young assistant at the university and began to notice something was wrong. The percentage of poor in rural villages in Bangladesh was very high and most regrettable is that the poor remained poor. Economic theory studied at university, Keynes, the neo-classical, money, not enough to Yunus. He did not understand why the banks offer money only to those who more than others did not need it. According to the economic attractiveness of the growth of the problem was that the least developed countries. The concept of credit was done only on collateral, and therefore the poorer sections of society were disadvantaged by failing to ensure nothing if not his person.
After graduation, Yunus discovered America. The trip to the West opened the mind of the young Asian. Development, growth, welfare foundations of society were the stars and stripes. And most unusual thing was that people were good for their own merit. The state in fact was neither "little father" as in Mao's China, no big brother as in the Soviet reality.
Yunus was impressed. He came from an economically backward country. The order of things he was used did not coincide with an established and growing as the American empire. The society of Bangladesh, like all other countries that were slowly detaching from India was a reality that was in the middle of two extremes absolutism: the real socialism and religion.
Uno Stato che prendeva tutto e si occupa di ridistribuire in forma eguale a tutti era la prassi a est, e in alternativa la via era quella della teocrazia. In tutti e due i casi gli effetti erano gli stessi.
Assoluta povertà, crescita frenata, e ruolo della donna relegato a oggetto di casa.
La svolta comunque si ebbe nel 1974. Yunus tornò dall’America, e l’esperienza coincise con la grande carestia che attanagliò il Bangladesh. Migliaia di poveri costretti alla miseria e uno stato che non sapeva come fronteggiare il bisogno di tanti.
At that time Bangladesh enjoyed as all countries' development aid from the World Bank. Aid in the rain helped a few seconds Yunus at the expense of many.
Yunus non accettò tutto ciò e venne folgorato da un’idea. Perché non aiutare i poveri concedendogli prestiti?
La garanzia sarebbe stata la sua stessa dignità. Il povero garantisce se stesso. Yunus aveva ben chiaro che concedendo piccoli prestiti to many, would have been so many people out of poverty.
Why not do charity ol'elemosina? According to Yunus, the concept of gift is ill-suited to a reality in need of "doing" as that of Bangladesh. If you give money to the poor to eat, when he finished eating will still need money. In the long run will understand that the poor will always eat, but do not create wealth, but taking advantage of the kindness of others. This can only lead to a redistribution of wealth, but merely a logic of "hand pass" and not economically advanced. In fact, the passage money has no return in terms of wealth creation. This can only be detrimental to the economy.
The banks were not willing to help the poor because there was no guarantee that the loan would have been unable to comply. Yunus then took the trouble to give him the same loans giving incentives to the poor. The loans were usually in groups. The group was the guarantee. The guarantee that if one had not paid the debt, all the others could not get new loans.
The sum of the loans were later released only to start a business. On the one hand to stimulate the supply of lavoro creando ricchezza, e dall’altro incentivava i poveri a restituire il prestito.
Seppure i prestiti erano piccole somme dotate di interessi abbastanza elevati, il povero sapeva che se voleva mettere su un’attività propria e uscire da una condizione di miseria, doveva per forza adempiere ai propri obblighi costantemente, pena il ritornare alla condizione di povertà antecedente al ricordo al credito.
Yunus era certo che tutti avrebbero operato in questo senso. Contrarie invece le grandi banche del paese che vedevano il povero sempre più povero, identificandolo solo in base a quello che aveva, e non a quello che poteva diventare.
Yunus trovò sempre difficoltà nel rapporto con le banche e in particolare con
Grande attenzione era al ruolo delle donne. Yunus era credente. Musulmano praticante. Ma si rifiutava di considerare la donna come un’oggetto e rifiutava l’idea che fosse solo il marito a doversi occupare della famiglia.
La donna per Yunus doveva entrare nel circolo vizioso dell’economia e responsabilizzandola anche tramite incentivi al lavoro, poteva fare uscire la sua figura da quella condizione di ghetto che ancora, nel 2007 la attanaglia in tante realtà nei paesi in via di sviluppo.
Ecco perché Grameen ha concesso soprattutto a donne sia la possibilità di lavoro e sia la concessione di prestiti. Il 90 % dei soggetti che hanno ricevuto prestiti sono appunto donne. Donne vogliose di libertà, e donne che hanno capito che la parità sessuale è la prima condizione per una crescita nell’interesse dei cittadini.
Seppur tra mille difficoltà il progetto Grameen, da piccola realtà si è espanso in tutto il paese.
Dopo tanta fatica le è stata concessa lo status di banca. Banca diversa sì. Ma pur sempre banca con tutte le agevolazioni che hanno gli istituti di credito in materia di aiuti e prestiti.
Partendo dal 1974, anno della carestia quindi, il percorso di Yunus e di Grameen attraverso numerose prove.
Nel 1976 il villaggio di Jobra e altri villaggi che circondano l'Università di Chittangong divennero le prime aree in cui era possibile usufruire dei servizi della Grameen Bank.
elevatissmo The rate of loan repayment to the Bank slowed in 1995 to
Alcuni dati aggiornati al 2006 ci mostrano come Grameen sia una realtà ora affermata in tutto il mondo, sia in paesi sviluppati not.
An unusual feature of the Grameen Bank is that it is the property of their indigent clients funded by the bank, most of whom are women. Customers financed hold a 94% stake in the bank and the remaining 6% is owned by the Government of Bangladesh.
Other facts relating to the Bank, updated in May 2006 are as follows: The total amount of funding is 6.39 million customers, 96% of whom are women.
The total of loans granted since the banking amounted to Taka 263.84 billion (5.34 billion U.S. dollars). Of them have been returned to Tk 234.75 billion (4.73 billion U.S. dollars).
The bank also based on the mechanism sixteen principles summarized in the statutes of the bank:
1. We want to follow and uphold the four principles of Grameen Bank (Discipline, Unity, Courage and Hard Work) at any time in our lives;
2. We want to bring welfare into our families;
3. We do not want to live in ruined houses, we want to repair our houses and we want to work to build new ones as soon as possible;
4. We cultivate our gardens all year around, we want to eat plenty of vegetables and want to sell the surplus;
5. In the period of seed we plant the greatest possible amount of shoots
6. We plan births so that our families are small, we want to contain our costs and we want to take care of our health
7. We want to educate our children and be assured that they can earn to pay for their education;
8. We want to keep our children and clean the environment;
9. We want to build and use latrines with septic tanks;
10. We want to drink water from wells dug up the slopes, and if not available, boil water or we use alum;
11. not vogliamo accettare nessuna dote ai matrimoni dei nostri figli maschi né vogliamo darne per i matrimoni delle nostre figlie: manterremo i nostri villaggi liberi dalla maledizione della dote; e non celebreremo nessun matrimonio tra bambini;
12. Non vogliamo infliggere alcuna ingiustizia a nessuno né consentiremo a chicchessia di farlo;
13. Vogliamo fare insieme investimenti comuni sempre più cospicui dai quali ottenere redditi sempre più alti;
14. We are always ready to help one another, if someone / a is in trouble him / her help;
15. If we come to know of breaches of discipline in some village, we will go to lend a hand to restore it;
16. will participate together in joint activities.
The new frontiers of Grameen are open. To keep pace with the times have been proposed several changes to the original system of the bank. The main innovations concern the range of financial products. The novelties are contained in the paper of Yunus in 2002 called "Grameen Bank
Effettuando una prima analisi in parallelo fra modello tradizionale e modello generale di sistema possiamo immediatamente scorgere la coerenza di fondo del nuovo progetto rispetto al sistema originario.
Il concetto di solvibilità del povero resta un punto focale ed immutato, confortato da nuovi dati empirici, i quali evidenziano un’altissima solvibilità (98%) di tutti quegli individui che avendo sforato la data di scadenza del prestito si impegnano ad un totale rimborso, maggiorato degli adeguati interessi, in un tempo futuro. La valorizzazione delle attività comunitarie inerenti il lavoro, e la modalità di concessione ed erogazione del credit to small groups of people, concepts remain extremely tight.
The centrality of the female category, act as an agent privileged access to credit, is strongly supported.
The new system offers some tricks and new concepts / products, which apparently differ from the classical canon, as we shall see, however, does not pose absolutely contradictory, but are running it. Among the highlights of this new structure of the Grameen Bank are:
- Flexibility in terms of loan amounts, terms and maturities.
- Customizing ad hoc micro-credit programs.
- Access to credit is also allowed to private individuals.
- New lines and pension insurance.
- Outsourcing of utility and disutility of internalization, the individual may make in relation to the working group (removal of common mutual fund group).
- System of proposals aimed at meritocracy not hesitate inequalities.
- Elimination of the poor practices that led to states of stress and nervous tension.
microconcetti As appears from the above, despite having given the impression slightly individualistic micro-credit system, the new structure has not diminished in any way the original orientation tended sociality and relatedness within the horizontal relationships among members of the working groups, and indeed it has greatly increased if we consider the relationship “verticali” che intercorrono fra Grameen Bank e singolo utente, ovvero la persona nelle sua interezza e poliedricità.
La soluzione tesa all’accoglienza e valorizzazione di ogni singola persona, che operativamente si
traduce in termini di flessibilità ed individualizzazione di alcuni aspetti del programma di
microcredito è stata una scelta sicuramente opportuna ed efficace, soprattutto ora che la
struttura organizzativa della Grameen Bank è in grado di poterla support and maintain a proper and rigorous.
The Grameen project goes ahead then. The basic concepts remain even if the challenge is still open, especially compared to a globalization that continues forgetting back larger and larger groups of people, that even before the media does not have the tools to keep pace with the times.
Grameen is this: give the poor tools.