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Confessions Of A Microfinance Heretic eBook
How Microlending Lost Its Way And Betrayed The Poor
idioma: inglês
Editor:
Berrett-Koehler Publishers, julho de 2012 ‧
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37,03€
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DISPONIBILIDADE IMEDIATA
Ebook para ADE
SINOPSE
Very little solid evidence exists that microloans make a dent in long-term poverty. Sadly, evidence does exist for negligence, corruption, and methods that border on extortion. Part exposé, part memoir, and part financial detective story, this is the account of a one-time true believer whose decade in the industry turned him into a heretic.
Hugh Sinclair worked with several microfinance institutions around the world. He couldn''t help but notice that even with a booming $70 billion industry on their side, the poor didn''t seem any better off. Exorbitant interest rates led borrowers into never-ending debt spirals, and aggressive collection practices resulted in cases of forced prostitution, child labor, suicide, and nationwide revolts against the microfinance community.
Sinclair weaves a shocking tale of a system increasingly focused on maximizing profits—particularly once large banks got involved. He details his discovery of several scandals, one of the most disturbing involving a large African microfinance institution of questionable legality that charged interest rates in excess of 100 percent per year and whose investors and supporters included some of the most celebrated leaders of the microfinance sector. Sinclair''s objections were first met with silence, then threats, attempted bribery, and a court case, and eventually led him to become a principal whistleblower in a sector that had lost its soul.
Microfinance can work—Sinclair describes moving experiences with several ethical and effective organizations and explains what made them different. But without the fundamental reforms that Sinclair recommends here, microfinance will remain an "investment opportunity" that will leave the poor with hollow promises and empty pockets.
Hugh Sinclair worked with several microfinance institutions around the world. He couldn''t help but notice that even with a booming $70 billion industry on their side, the poor didn''t seem any better off. Exorbitant interest rates led borrowers into never-ending debt spirals, and aggressive collection practices resulted in cases of forced prostitution, child labor, suicide, and nationwide revolts against the microfinance community.
Sinclair weaves a shocking tale of a system increasingly focused on maximizing profits—particularly once large banks got involved. He details his discovery of several scandals, one of the most disturbing involving a large African microfinance institution of questionable legality that charged interest rates in excess of 100 percent per year and whose investors and supporters included some of the most celebrated leaders of the microfinance sector. Sinclair''s objections were first met with silence, then threats, attempted bribery, and a court case, and eventually led him to become a principal whistleblower in a sector that had lost its soul.
Microfinance can work—Sinclair describes moving experiences with several ethical and effective organizations and explains what made them different. But without the fundamental reforms that Sinclair recommends here, microfinance will remain an "investment opportunity" that will leave the poor with hollow promises and empty pockets.
DETALHES
| Propriedade | Descrição |
|---|---|
| ISBN: | 9781609945190 |
| Editor: | Berrett-Koehler Publishers |
| Data de Lançamento: | julho de 2012 |
| Idioma: | Inglês |
| Tipo de produto: | eBook |
| Formato e Compatibilidade: | PDF para ADE |
| Coleção: | Bk Currents |
| Classificação Temática: |
eBooks em Inglês
>
Economia, Finanças e Contabilidade
>
Economia
|
| EAN: | 9781609945190 |
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