Nurhodja AKBULAEV, Turan AHMEDOV, Yusif ALİYEV

Mikrofinansman Kurumu Örneği: Grameen Bank

Bugünün gelişmekte olan dünyasında, yoksul kesimin yaşam standartları yükseltilmedikçe, hiçbir ülkede anlamlı bir kalkınmanın sağlanamayacağı gerçeğini açık bir şekilde kabul edilmiştir. Yoksul kesimin yaşam refahını yükseltme düşüncesi giderek ön plana çıkmaktadır; çünkü sadece büyüme yönlü stratejiler, insanların yaşam şartlarını iyileştirme konusunda önemli ölçüde başarısız olmuşlardır. Bu çalışmada mikrofinans uygulamalarında en başarılı mikrofinansman kurumu olan Grameen Bank’ın ortaya ve gelişimi, amacı ve hedef kitlesi, kurumsal ve faaliyet yapısı, yenilikleri ve finansal yapısı üzerinde durulmuştur. Ayrıca, Grameen Bank sistemleri müşteri türleri, finansal hizmet çeşitleri ve şartları bağlamında ayrıntılı olarak açıklanmıştır. Bu çalışmada, Grameen Bank’ın orataya çıkışı, tarihsel gelişimi, verdiği finansal hizmetler, hizmetinden faydalanan alanlara göre müşteri kesimi ve finansal yapısı hakkında bilgi sunulmuştur.

Anahtar Kelimeler:

Grameen Bank, Yoksulluk, Mikrokredi, Mikrofinans, Bankacılık

Micro Finance Corporation Sample: Grameen Bank

In today's developing world, it is clearly accepted that unless the standards of living of the poor are raised, no meaningful development can be achieved in any country. Poverty is increasingly at the forefront of raising the living prosperity; Because only growth-oriented strategies have been largely unsuccessful in improving people's living conditions. This study focused on the development and development of Grameen Bank, the most successful microfinance institution in microfinance applications, the aim and target mass, institutional and activity structure, innovations and financial structure. In addition, Grameen Bank systems are described in detail in terms of customer types, financial services types and conditions. In this study, information on the customer segment and financial structure of Grameen Bank is presented according to the use of the service, its historical development, the financial services it has provided, and its services.

Keywords:

Grameen Bank, Poverty, Microcredit, Microfinance, Banking,

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