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method of action print

the grameen bank’s method of action can be illustrated by the following principles:

1. start with the problem rather than the solution: a credit system must be based on a survey of the social background rather than on a pre-established banking technique.
2. adopt a progressive attitude: development is a long-term process which depends on the aspirations and committment of the economic operators.
3. make sure that the credit system serves the poor, and not vice-versa: credit officers visit the villages, enabling them to get to know the borrowers.
4. establish priorities for action vis-a-vis to the the target population: serve the most poverty-stricken people needing investment resources, who have no access to credit.
5. at the begining, restrict credit to income-generating production operations, freely selected by the borrower. make it possible for the borrower to be able to repay the loan.
6. lean on solidarity groups: small informal groups consisting of co-opted members coming from the same background and trusting each other.
7. associate savings with credit without it being necessarily a prerequisite.
8. combine close monitoring of borrowers with procedures which are simple and standardised as possible.
9. do everything possible to ensure the system’s financial balance.
10. invest in human resources: training leaders will provide them with real development ethics based on rigour, creativity, understanding and respect for the rural environment.
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