Micro credit applications for decreasing of poverty in the world and Turkey

Mikro kredi, gelenekesel banka kredilerine ulaşmaları çok güç olan yoksul kesimin kendi işini kurabilmesine olanak tanımak amacıyla küçük çapta kredilendirilmesidir. Bu çalışmada mikro kredi uygulamaları hem oldukça geniş uygulama olanağı bulduğu dünya ölçeğinde, hem de yeni uygulama alanalarından olan Türkiye için değerlendirilmiştir. Dünya’da yirmi yılı aşan uygulamalar göstermiştir ki, mikro kredi yoksulluğa karşı savaşta önemli bir araç olmuştur. Mikro kredi uygulamalarından daha çok kadınların yararlandığı, bu kapsamda cinsel eşitlik, kadının sosyal ve ekonomik açıdan konumunun yükseltilmesi gibi önemli yararların sağlandığı görülmektedir.

Dünya’da ve Türkiye’de yoksulluğun azaltılmasında mikro kredi uygulamaları

Micro credit is an extension of small loans to enterpreneurs too poor to qualify for traditional bank loans. The aim of this study is to some evaluations will be done about micro credit applications both in the world and Turkey. The analysis of the effects of micro financing on its beneficiaries, after more than 20 years of application, offers encouraging lines of results. It is an efficient instrument in the fight against extreme poverty, enabling the poor themselves to actively participate in this fight; it is also one in the fight for gender equality, as it is usually women who are the beneficiaries of these programmes and this permits their economic and social enrichment as well as their self-esteem. To draw a conclusion of micro credit applications is an alternative for decreasing poverty in the World.

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