تحميل الملف المرفق

 


‫ﺃﺩﺑﻴﺎﺕ ﺍﻟﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ‬
‫ﻋﺮﺽ ﻭﻧﻘﺪ‬
‫ ﺍﳌﻘﺪﻣﺔ‬


 
 

 






 

 
 .  
 . 
 .  
 .  
 . 
 . 
 




 
‫ ﺻﺤﻮﺓ ﺍﻟﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ‬-٢

(unit desa)

(CGAP)

 
(win-win situation)




  



 
  
  
 
 
(Microfinance Evangelism)


 

 


(Capital Accumulation)
(Trickle-down Processes)



 
(Keith Hart)
(Sussex)
(informal sector)

 

"Small (E.F. Schumacher, 1911-1977)
is beautiful
(1) Keith Hart (1971) "Informal Income Opportunities and the Structure of Urban Unemployment in Ghana",
Paper presented at a conference on Urban Unemployment in Africa, university of Sussex. 
 


Bangladesh 
Rural Advancement Committee) ("BRACK"
،


 (Buddhist Economics)

The Other Path: the invisible revolution in the) 
(third world

 


 The real economy
 
(C.K. Prahalad)The bottom of the pyramid
The fortune of 
the Bottom of the pyramid

 
   
 
 

 (Robinson)
‫ ﻣﺎ ﺍﳌﻘﺼﻮﺩ ﻣﻦ ﺍﻟﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ‬





 
 
 
 
 .

(microfinance(microcredit)
(microdebt)

  



 
Marguerite S. Robinson (2001) The Microfinance Revolution (The World Bank, Washington, D.C.,
Open Society Institute, New York).
(2) "What do you know?" The Economist, 3 November 2005. 
 


(microdebt)
microdebt industryDaleAdams
 



 .
 (BRAC) 
(BRI)(SEWA) 
. 
 
‫ ﺗﺎﺭﻳﺦ ﺍﻟﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ‬
 






 
Dichter, Thomas; "Can Microcredit Make An Already Slippery Slope More Slippery? Lesson's From The
Social Meaning of Debt". In "What's Wrong With Microfinance", edited by Thomas Dichter and Malcolm
Harper (Intermediate Technology Publications LTD, 2007).
 






(Schulze-Delitzch)(Reiffeisen)
(Friedrich-Wilhelm Raiffeisen)

 
(Universal Banks)

Hans Dieter Seibel






(Badan Kredit Desas (BKDs))

 
Hans Dieter Seibel (2005) " Does History Matter? The Old and the New World of Microfinance in Europe and
Asia" Paper Presented at: From Moneylenders to Microfinance", Asia Research Institute, National University
of Singapore, 7-8 October 2005.
Thomas Ditcher (2007) " A Second Look at Microfinance: The Sequence of Growth and Credit in Economic
History" The CATO Institute, February 15, 2007. No.1
 
(SUSU)






(Opportunity International)

  (ACCION)


‫ ﳕﺎﺫﺝ ﻣﺆﺳﺴﺎﺕ ﺍﻟﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ‬



 




Conroy, John D. (2003).   


 




 
(Rotating Savings and Credit Associations)






 (Self-Help Groups or Merry-go-rounds)
:(TheVillage Bank Model) 






(FINCA)
(1) Lapenu, C. and M. Zeller (2001) "Distribution, Growth and Performance of Microfinance Institutions in
Africa, Asia and Latin America", FCND Discussion Paper 114, International Food Policy Research
Institute (IFPRI), Washington DC. 
 
Harper, Malcolm (2007) "What's Wrong With Groups?", In "What's Wrong With Microfinance", edited by
Thomas Dichter and Malcolm Harper (Intermediate Technology Publications LTD, 2007).
Marr, A. (2004) " A Challenge to the Orthodoxy Concerning Microfinance and Poverty Reduction" Journal of
Microfinance, Vol. 5, No.2, pp: 1-35.
Armendariz DeAghion, B. and J. Morduch (2000) "Microfinance Beyond Group Lending" Economics of
Transition, Vol. 8, No.2, PP: 401-420.
Khawari, A. (2004) "Microfinance : Does It Hold Its Promises? A Survey of Recent Literature" HWWA
Discussion Paper 276, Hamburg Institute of International Economics, Hamperg.
 
‫ ﺍﻻﻓﺘﺮﺍﺿﺎﺕ ﺍﻟﻔﻜﺮﻳﺔ ﻟﻠﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ‬-٦


 
 


 (Penny Savings Bank Movement)








(Financially self-sustaining)


 (A penny saved is a penny earned)
 
Mahajan, Vijay (2006) "Is Microcredit The Answer to Poverty Eradication?"; BASIX,
http://www.basixindia.com/ismicrocredittheanswerto pov.asp.
---------------; " From microcredit to livelihood finance" In "What's Wrong With Microfinance", edited by
Thomas Dichter and Malcolm Harper (Intermediate Technology Publications LTD, 2007).
 

 
‫ ﻫﻞ ﺍﻟﺼﻐﲑ ﺃﻛﺜﺮ ﺃﺧﻼﻗﺎ ﻣﻦ ﺍﻟﻜﺒﲑ؟‬-٧




 
 
:‫ ﺃﺛﺮ ﺍﻟﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ ﻋﻠﻰ ﺍﻟﺘﻨﻤﻴﺔ‬-٨
 
 (Critical Microfinance Triangle)
 (Outreach to the poor)
(Financial sustainability)
(Welfare Impact)

‫ﺍﻟﻮﺻﻮﻝ ﺇﱃ ﺍﻟﻔﻘﺮﺍﺀ‬



 

 
 
(CGAP)

 
 


 







 ‫ ﺍﻻﺳﺘﺪﺍﻣﺔ ﺍﳌﺎﻟﻴﺔ‬:‫ﺛﺎﻧﻴﺎﹰ‬



 
 
 
Vogal, R. (1984) " Savings Mobilization: The forgotten half of rural finance", In "Undermining rural
development with cheap credit" edited by Dale Adams and J. D. Pischke (Westview Press, Boulder,
Colarado).
  
Rhyne, Elisabeth. (1998) “The Yin and Yang of Microfinance: Reaching the Poor and
Sustainability”, Microbanking Bulletin, Issue 2, pp. 6-8.
www.colorado.edu/EconomicsInstitute/bfmft/mbbdown.htm.
 
 
 
 
 
 

 
    
 (richest of the poor)
 

 

 

  
Cull, R, A Demirguc-Kunt and J Morduch (2007) "Financial Performance and Outreach: A Global Analysis of
Leading Microbanks", Economic Journal, Vol. 117, No. 1.
Navajas, Sergio, et al. (2000) "Microcredit and the Poorest of the Poor: Theory and Evidence from Bolivia";
World Development 28 (2), PP.333-346.
(2) Thomas Ditcher and Malcolm Harper (edited); What's Wrong With Microfinance (Intermediate
Technology Publications LTD, 2007) P. 101. 
 

  Wilson)
(Kim

‫ﺍﻷﺛﺮ ﻋﻠﻰ ﺍﻟﺮﻓﺎﻫﻴﺔ )ﺍﻟﻔﻘﺮ‬

 
 
  
 

 




 
‫ﺃﺛﺮ ﺍﻟﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ ﻋﻠﻰ ﺃﻓﻘﺮ ﺍﻟﻔﻘﺮﺍﺀ‬

 
(1) Idem. p. 100.
 
Morduch, J (1999) " Does Microfinance Really Help the Poor? New Evidence from flagship programmes in Bangladesh.
 (Evans)
  

Evans, T.G., & Adams, A.M. (1999) "Demystifying nonparticipation in Microcredit: A Population-based
analysis", World Development 27(2), pp: 419-430.
 
Marr, A. (2004) "A Challenge to the Orthodoxy Concerning Microfinance and Poverty Reduction"
Journal of Microfinance, Vol. 5, No. 2, pp: 1-35.
Hulme, D. and P. Mosley (1996) Finance Against Poverty ( Routledge, London).
Simanowitz, S. (2002) " Microfinance for the Poorest: A Review of Issues and Ideas for Contribution
of Imp-Act", ImpAct-Improving the Impact of Microfinance on poverty: An Action Research
Programme, http://www.microfinancegateway.org/content/article/detail/3395
Kirkpatrick, C. and M. Maimbo (2002) "The Implications of the Evolving Microfinance Agenda for
Regulatory and Supervisory Policy" Development Policy Review, Vol.20, No.3, PP: 293-304.
 
  
 

 

 


‫ﲤﻜﲔ ﺍﳌﺮﺃﺓ‬







 

 
 
 – 
 
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 
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 
 
 
 
 



(Hulme and Mosley)
 






(BRAC)

 



 #
(1) Hulme and Mosley, OP. Cit. P.128. 
 Kabeer 
Kabeer, N. (2001) " Conflicts Over Credit: Re-Evaluating the Empowerment Potential of loans to Women in
Bangladesh" World Development, 29(1),63-84. 
 

 

 
 ‫ﺍﻟﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ ﻭﺍﻟﺰﺭﺍﻋﺔ‬

 



 
 



 

 




 
Malcolm Harper (2005) Microfinance and Farmers: Do they fit? ( Small Enterprise Development, September).
 
Martin Trenk (1990) " The Discovery of The Oriental Moneylenders" Economics.
 

 
 :‫ﺍﻟﺒﻨﻮﻙ ﺍﻟﺘﺠﺎﺭﻳﺔ ﻭﺍﻟﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ‬



–



 
 HSBC
 ICICI ABN Amro ING
 
‫ﻋﻤﻼﺀ ﺃﻡ ﻣﻨﺘﻔﻌﻮﻥ‬








Choudhury, T. A. (2000) " Growth and Implication of Money Lending by Moneylenders and Microfinance
Program", CDF, Dhaka.
Christen Robert (1989) " What Microenterprise Credit Program Can Learn from the Moneylenders" Accion
International, document 4.
Rosenberg, Richard (1996) " Microcredit Interest Rates" CGAP Occusional Paper 1. (World Bank,
Consultative Group to Assist the Poorest, Washington, D. C.).
 



 

 
 


Townsend-Kaboski


 



Microfinance Information) (exchange "MIX"

 www.mixmbb.orgMIX
‫ ﻫﻞ ﺍﻟﺘﻤﻮﻳﻞ ﺍﻟﺼﻐﲑ ﻣﺆﺍﻣﺮﺓ ﻏﺮﺑﻴﺔ‬-


 (2)Bosnia and Herzegovina
(1) Easton, Tom (2005) "The Hidden Wealth of the Poor", The Economist, November 5. 
 
Bateman, Milford (2007) "De-industrialization and social disintegration in Bosnia", In "What's Wrong With
Microfinance", edited by Thomas Dichter and Malcolm Harper (Intermediate Technology Publications LTD, 2007). 
 
:‫ ﺍﳋﺎﲤﺔ‬-١٤
(Henry Mayhew)

(Morning Chronicle)

(Loan Office for the poor)



 



 
 
 
 ‫ ﻋﺒﺪﻩ ﺳﻌﻴﺪ ﺇﲰﺎﻋﻴﻞ‬.‫ﺃ‬


 
 