Microcredit and Poverty Alleviation in Bangladesh

本研究的目的是分析同一地区社区小额信贷在不同层级的扶贫效果，以及社区小额信贷的社会结构变化。研究发现，社区小额信贷的扶贫效果因社会阶层(上层、中层、下层)不同而不同，在城市郊区的扶贫效果更大；底层社区小额信贷的扶贫效果较低，将贫困人口纳入一个项目的方式更有效。因此，对于社区小额信贷的贷款计划，自然会出现以下几种情况：贫困人口以下的人被排除在MC(撇奶油)之外。在这项调查中，不清楚非政府组织办事处的人事费和维护费是否由MC的利息收入支付。

The purpose of the study is the analysis of poverty reduction effect of each level-specific ,and social structure changes in community-based micro-credit in the same region.The following became clear by the study.The poverty reduction effect of MC, is different by social class(upper, middle, lower), the effect is greater in urban suburbs.The poverty reduction effect of MC is low in the lower layer, and the approach that incorporates poor people in a project is more effective.And naturally the following things are said about a loan scheme of MC.People under the poor(very poor) are excluded from the MC(cream-skimming). It is not clear,in this survey,that personnel expenses and the maintenance cost of the NGO office are served from an interest income of MC.