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Conditionalities of Public Microfinance and the Rural Poor: Voices From the Below
Author(s) -
Chowdhury Mohammad Shahjahan,
Ahmmed Faisal,
Hossain Md. Ismail
Publication year - 2020
Publication title -
journal of international development
Language(s) - English
Resource type - Journals
SCImago Journal Rank - 0.533
H-Index - 66
eISSN - 1099-1328
pISSN - 0954-1748
DOI - 10.1002/jid.3467
Subject(s) - microfinance , focus group , disbursement , rural development , work (physics) , commodity , economics , active listening , punishment (psychology) , liability , public good , economic growth , business , public relations , political science , finance , sociology , marketing , psychology , mechanical engineering , ecology , social psychology , communication , microeconomics , engineering , biology , agriculture
This paper examines microfinance conditionalities of the Bangladesh Rural Development Board in Bangladesh from clients' and providers' perspectives based on a qualitative case study. The study reveals that the credit is less poor focus in terms of amount and disbursement procedure. Additionally, group liability and cooperatives are used as tactics for surveillance and punishment instead of invigorating collective effort. Saving and share work as disciplinary instruments instead of capital accumulation. Besides, service is regarded as a conditional commodity, and skill development becomes individual responsibility. The study implies listening to the voice of the poor and redesigning antipoverty programmes based on the need felt by them. © 2020 John Wiley & Sons, Ltd.