Preface iv
Chapter 1 : Introduction
Background 13
Objective of the study 13
Methodology used 13
Aspects of analysis 15
Methodology of data analysis: 16
Chapter design of the book 17
Chapter 2 : Macroeconomic Situation
Introduction 18
GDP, growth, savings & investment 19
Public finance 23
Monetary sector 26
Real economy 30
External sector 33
Chapter 3 : Financial System of Bangladesh
Introduction 40
Central Bank 40
Banks and FIs 45
The Capital Market 47
Insurance 49
MFIs 49
Micro credit Regulatory Authority 50
Chapter 4 : Dimensions of Poverty in Bangladesh
Introduction 51
Measurement of the Incidence of Poverty in Bangladesh 51
Poverty picture of Bangladesh 52
Chapter 5 : Microcredit Situation in Bangladesh
Introduction 64
Evolution of microfinance institutions in Bangladesh 64
Principles of microcredit program 66
Modus Operandi microcredit program 66
Strengths 67
Microcredit practices 67
Providers of microcredit in Bangladesh 70
Microcredit programs of two specialized institutions 71
Microcredit programs of three big and other NGOs 74
Banks 79
Administrative units 82
Source of funds for Microfinance Institutions 85
Criticism 87
Chapter 6 : Impact of Microcredit Disbursement on Poverty
Introduction 88
Trend analysis of microcredit disbursement 88
MFI-NGOs 88
Specialized Institutions 89
Banks 90
Administrative Ministries 90
Impact of microcredit disbursement on poverty 92
Savings and microcredit disbursement 92
Revenue, expenditure and microcredit disbursement 93
Food and non-food Consumer Price Index 94
Investment and microcredit disbursement by MF-NGOs 94
Poverty picture based on CBN method 95
Women empowerment 97
Employment 97
Regression analysis of microcredit disbursement
with per capita GDP at current price 99
Chapter 7 : Concluding Remarks
Findings 102
Recommendation 103
Conclusion 104
Appendices
Appendix A 106
Appendix B 114
Reference 116
