Banker To The Poor et plus d'un million d'autres livres sont disponibles pour le Kindle d'Amazon. En savoir plus
  • Tous les prix incluent la TVA.
Il ne reste plus que 7 exemplaire(s) en stock (d'autres exemplaires sont en cours d'acheminement).
Expédié et vendu par Amazon.
Emballage cadeau disponible.
Quantité :1
Banker to the Poor: Micro... a été ajouté à votre Panier
+ EUR 2,99 (livraison)
D'occasion: Bon | Détails
État: D'occasion: Bon
Commentaire: Ships from the USA. Please allow up to 21 business days for delivery.  Book has some visible wear on the binding, cover, pages. Biggest little used bookstore in the world.
Vous l'avez déjà ?
Repliez vers l'arrière Repliez vers l'avant
Ecoutez Lecture en cours... Interrompu   Vous écoutez un extrait de l'édition audio Audible
En savoir plus
Voir les 2 images

Banker to the Poor: Micro-Lending and the Battle Against World Poverty (Anglais) Broché – 25 septembre 2003

Voir les 2 formats et éditions Masquer les autres formats et éditions
Prix Amazon Neuf à partir de Occasion à partir de
Format Kindle
"Veuillez réessayer"
"Veuillez réessayer"
EUR 13,67
EUR 4,72 EUR 0,91
EUR 13,67 Livraison à EUR 0,01. Il ne reste plus que 7 exemplaire(s) en stock (d'autres exemplaires sont en cours d'acheminement). Expédié et vendu par Amazon. Emballage cadeau disponible.

Produits fréquemment achetés ensemble

Banker to the Poor: Micro-Lending and the Battle Against World Poverty + Portfolios of the Poor - How the World's Poor Live  on $2 a Day
Prix pour les deux : EUR 32,70

Acheter les articles sélectionnés ensemble

Descriptions du produit

Banker to the Poor A new edition of the New York Times Bestseller by the Nobel Peace Prize-winner Full description

Détails sur le produit

  • Broché: 312 pages
  • Editeur : PublicAffairs,U.S.; Édition : Rev. and Updated for the Pbk. Ed (25 septembre 2003)
  • Langue : Anglais
  • ISBN-10: 1586481983
  • ISBN-13: 978-1586481988
  • Dimensions du produit: 14,2 x 1,8 x 21,1 cm
  • Moyenne des commentaires client : 5.0 étoiles sur 5  Voir tous les commentaires (1 commentaire client)
  • Classement des meilleures ventes d'Amazon: 48.137 en Livres anglais et étrangers (Voir les 100 premiers en Livres anglais et étrangers)
  •  Souhaitez-vous compléter ou améliorer les informations sur ce produit ? Ou faire modifier les images?

Dans ce livre (En savoir plus)
Première phrase
Chittagong, the largest port in Bangladesh, is a commercial city of 3 million people. Lire la première page
En découvrir plus
Parcourir les pages échantillon
Couverture | Copyright | Table des matières | Extrait | Index | Quatrième de couverture
Rechercher dans ce livre:

Quels sont les autres articles que les clients achètent après avoir regardé cet article?

Commentaires en ligne

5.0 étoiles sur 5
5 étoiles
4 étoiles
3 étoiles
2 étoiles
1 étoiles
Voir le commentaire client
Partagez votre opinion avec les autres clients

Commentaires client les plus utiles

Par fatuneh le 28 septembre 2010
Format: Broché
Yunus gives a detailed biography on the birth and growth of the microfinance idea. He tells touching stories about his encounters with the borrowers and the hard time he had convincing them that he was not some kind of villain from the local Mafia. This book is inspiring. It gives hope to the people who want to help fight poverty but do not know how. They style in which it was written makes it hard to put the book away. It is captivating, humorous and inspiring.
Remarque sur ce commentaire Avez-vous trouvé ce commentaire utile ? Oui Non Commentaire en cours d'envoi...
Merci pour votre commentaire. Si ce commentaire est inapproprié, dites-le nous.
Désolé, nous n'avons pas réussi à enregistrer votre vote. Veuillez réessayer

Commentaires client les plus utiles sur (beta) 132 commentaires
65 internautes sur 67 ont trouvé ce commentaire utile 
A good idea that led to great results 4 janvier 2005
Par Vincent Poirier - Publié sur
Format: Broché Achat vérifié
In the 1970s Professor Mohammed Yunus had a great idea on how to help the poor of Bangladesh and he made it work. He invented micro-credit, or lending very small amounts to the poorest of the poor, without asking for collateral. This, rather than simple handouts, would help the poor become self-reliant enough so that they could lift themselves out of poverty. He concentrated on women. He relied on peer support to motivate repayment of the loans by making loans to one member of a group of women who would have access to credit only if the entire group had a good credit record (when a group started, they were assumed to have good credit). Professor Yunus's organization, the Grameen Bank, is a cooperative owned mostly by its members and boasts a repayment rate over 98%.

In the 30 years since Professor Yunus's first loan of 27 dollars, Grameen has now lent out billions to millions. It has liberated women in small villages, it has brought capitalist market mechanisms to the economic bottom 2% of the world population.

This first hand account by the American-educated Bangledeshi founder of Grameen Bank might not win any literary prize and it might end with a (I think) slightly naive vision of social work, but it effectively presents a simple story about a practical man who has made millions of the world's poorest people significantly better off.
45 internautes sur 48 ont trouvé ce commentaire utile 
The pioneer of microlending... 1 mars 2004
Par Ted - Publié sur
Format: Broché
The story of the Grameen bank is an excellent example of how social change initiatives can be combined with government and private industry support to acheive a greater outcome than the organization could acheive by itself. Yunus provides an excellent chronicle of his bank's formation as well as explaining its principles. Highly recommended for anyone interested in social entrepreneurship or social change. The only shortcomings are: 1) as a finance person, I would like to have read more about the operational side of the banks relative to their commercial competitors - what specific factors enabled them to be so successful (other than the broad social factors he identifies)? 2) Need more information about how these types of programs can be applied to industrialized nations such as the US.
29 internautes sur 31 ont trouvé ce commentaire utile 
Book Summary -- Banker to the Poor 26 novembre 2004
Par Justin Belkin - Publié sur
Format: Broché
Founded in Bangladesh by Muhammad Yunus in 1976, the Grameen Bank is one of the most successful attempts ever to employ capitalist principles to achieve social goals. By approaching poverty from a different tact, Grameen seeks to reconcile the inequalities inherent in capitalism by mobilizing the "informal sector" of society-the self-employed poor. By addressing the root cause of poverty (i.e. lack of access to capital) Yunus has succeeded where many others have failed. Often, well-intentioned governments fail to solve the issue of poverty because of "misguided development" policies and bloated bureaucracies. Similarly, many international financial institutions, such as the World Bank, have failed because their heavy-handed top-down approach excludes those most in need of aid. Yunus writes, "I have always believed that the elimination of poverty from the world is a matter of will" (248). Grameen succeeds where others fail because they appeal to the most downtrodden, the poorest of the poor-the bottom 50% of those already below the poverty line.

A precocious child and avid reader-especially of comicbooks-Yunus was one of fourteen children born to devout Muslim parents. The family lived on the second floor located above the jewelry store that his father owned and operated in Chittagong, the largest port-city in Bangladesh. His mother, despite her later mental illness, instilled a sense of charity early on in her son that would last a lifetime. While the seeds of the Grameen Bank were planted when Yunus was a child, they were certainly nurtured while studying under the tutelage of professor Nicholas Georgescu-Roegen in America. Yunus left to attend Vanderbilt University as a Fulbright scholar in 1965 after opening a successful packaging business in Bangladesh. The professor encouraged Yunus to question traditional economic theory, and to adopt a more pragmatic and social perspective. These influences resurfaced when Yunus returned to Bangladesh in 1972 to chair the economics department at Chittagong University.

Yunus experienced an epiphany one day while lecturing to his students. Amidst his moribund surroundings, Yunus became compelled to confront the obvious incongruence between the high theory he was espousing and the omnipresent reality of daily-life, "What good were all my complex theories when people were dying of starvation on the sidewalks and porches across from my lecture hall? Nothing in the economic theories I taught reflected the life around me" (viii). Yunus at once realized that he had an obligation as both a Bengali and a college professor to help alleviate the rampant starvation that wracked Bangladesh at the time.

After much contemplation Yunus decided that the best way to improve the material condition of the poor was to offer them a hand-up, rather than a handout. Yunus concluded that the poor were quite capable of prospering if only they were given the credit necessary to break out of poverty. He writes:

"But if you go out into the real world, you cannot miss seeing that the poor are poor not because they are untrained or illiterate but because they cannot retain the returns of their labor. They have no control over capital, and it is the ability to control capital that gives people the power to rise out of poverty (141)."

The limited access to capital kept the poorest of the poor enslaved to usurious rates charged by moneylenders whose strict terms affected the ability of the poor to ever repay. However, the very fact that the poor had managed somehow to survive is proof-positive that they too could become successful entrepreneurs if given the opportunity. With access to capital the poor can compete and retain control over profits.

In fulfilling its promise to raise the rural poor out of poverty Grameen has expanded its original income-generating loans to now include housing and education loans. The interest rates for each of the aforementioned loans are calculated based on simple interest and are 20%, 8%, and 5%, respectively. Proof of the strength of the Grameen project lies in its 98% recovery rate. Yunus attributes this success to making 95% of its loans to women. He believes that women are more likely to share the benefits of the opportunity with their family than are men. Unfortunately, this approach continues to meet strong opposition from conservative forces that view Grameen as a threat to their religious and traditional values. Nonetheless, the passion and commitment shared by villagers over the opportunity offered by Grameen eventually overcomes all local resistance.

The program requires a group of five to operate. As required by Grameen, an interested borrower must first pass an exam and also enlist others by explaining the program to them. Once they form a group, a chairman and secretary are elected. Then, two of its members requests a loan, typically for $25 each. Grameen encourages these groups to deposit 5% of each loan in a group-fund that can later be loaned out to members interest-free. After six weeks of successful repayment two more members may request a loan. Yunus writes:

"This is the beginning for almost every Grameen borrower. All her life she has been told that she is no good, that she brings only misery to her family, and that they cannot afford to pay her dowry. Many times she hears her mother or her father tell her she should have been killed at birth, aborted, or starved. But today, for the first time in her life, an institution has trusted her with a great sum of money. She promises that she will never let down the institution or herself. She will struggle to make sure that every penny is paid back (65)."

Despite all the good accomplished by Grameen, its micro-credit program represents only one element of a multi-pronged strategy needed to one day eradicate poverty from the surface of the earth, relegating it once and for all as an artifact of an unenlightened past.

Yunus envisions a more comprehensive program that would expand the notion of economic development to include "improving the general standard of living, reducing poverty, creating dignified employment opportunities, and reducing inequality" (72). He argues that the goal of such development should be measured by a new set of objective criteria, such as the "per capita income of the bottom 50% of the population" (146). The efforts of Grameen and others committed to fighting poverty culminated in the first ever "Micro-credit Summit of 1997" co-chaired by Hillary Clinton. Yunus believes that future success will require a new breed of "social entrepreneurs" who are driven by social goals rather than maximizing profit. The Grameen Bank's success has created an abundance of opportunities for social entrepreneurs to serve the needs of this emerging market.

Despite its demonstrated successes, Grameen still suffers attacks from its critics. Undeterred, Yunus embraces this criticism, "innovation can only sprout in an atmosphere of tolerance, diversity, and curiosity" (102). Pejoratively referred to by some as "poverty banking," Grameen has proven that its success is no fluke. Since making its first micro-loan of $27 to a Bengali basket weaver the Grameen Bank has grown to over 11,000 employees committed to ending world poverty. Grameen now operates in nearly 100 countries, originating over $4 billion in loans made to approximately 2.6 million borrowers worldwide. Much like its founder, Grameen continues to grow and meet the constantly evolving needs of its borrowers.
30 internautes sur 36 ont trouvé ce commentaire utile 
Straight from the Founder 2 juillet 2006
Par Dennis T. Bacsafra - Publié sur
Format: Broché Achat vérifié
If you are interested in microfinance, this book is a prerequisite. Dr. Yunus gives a historical account of the rise of micro-credit and the Grameen Bank. Of course, he is also the biggest advocate of the program. Therefore, most of his arguments are pro-expansion of micro-credit. In spite of this, he manages to show a clear and compelling picture of the micro-finance industry. But, make sure you balance the information with other microfinance books that does not proselytize as much. A good example is "Beyond Micro-Credit" by Thomas Fisher.
7 internautes sur 7 ont trouvé ce commentaire utile 
economic micro-lending = macro social leverage 15 mai 2008
Par Daniel B. Clendenin - Publié sur
Format: Broché
Muhammad Yunus was born in 1940, the third of fourteen children, to an extremely devout Muslim family in Chittagong, the largest port city in Bangladesh. After studies at Chittagong University, and then University of Colorado and Vanderbilt (where he earned his PhD in economics), Yunus returned to help nation-build in Bangladesh, which had declared its independence from Pakistan in 1971. The independence movement had taken its toll; three million people were dead and 10 million were refugees. In 1974, a famine struck.

As he tried to alleviate the broad and deep poverty in his homeland, Yunus came to "dread" his economics lectures. They were tragically far removed from the everyday lives of normal people. In a theme that would characterize much of the rest of his life, Yunus almost completely abandoned classical book learning in favor of listening to and learning directly from the extreme poor -- the millions of Bangladeshis living off two cents a day. In 1976 he loaned $27 to 42 villagers, and thus was born what eventually became the Grameen Bank (grameen means rural). As of the publication of this revised autobiography in 2003, Grameen and its many replicants had made $3.8 billion of micro-loans to 2.4 million families in over 100 countries. The borrowers themselves own 93% of the bank equity, 95% of the loan recipients are women, and the repayment rate on the loans is 98%. For all that, in 2006 Yunus and Grameen won the Nobel Peace Prize (not to mention more than two dozen honorary doctorates).

Yunus is an excellent writer and story-teller. He shares at length about the many criticisms, myths, and prejudices he's had to face, especially from the "obtuse ineptitude" of governments and the sclerotic bureaucracy of aid organizations (he's particularly critical of the World Bank). He has tremendous faith in the initiative, skill, resilience and creativity of the poor. They're the ultimate entrepreneurs. "Not one single Grameen borrower requires any special training" (205), or any collateral, for that matter. Conversely, Yunus also believes that the poor have many things to teach the rich. When the World Bank's president Barber Conable bragged to Yunus about hiring the best minds in the world, he responded that "hiring smart economists does not necessarily translate into policies and programs that help the poor." Spurning conventional wisdom about development aid and economic categories of the liberal left and the free market right, Grameen's success speaks for itself. As a follow up, see Yunus's newest book called Creating a World Without Poverty: Social Business and the Future of Capitalism (New York: Public Affairs, 2008).
Ces commentaires ont-ils été utiles ? Dites-le-nous


Souhaitez-vous compléter ou améliorer les informations sur ce produit ? Ou faire modifier les images?