The main strategy of Bangladeshi NGOs for development has gradually changed from the so called “Shamity Approach”, which was based on raising consciousness of the rural poor and their unity in 1980s, to the Micro Credit (MC) and/or the Micro Finance (MF), which provides small non-collateral credits to the rural poor, initiated by Grameen Bank in the 1990s. The author has critically looked at this change among NGOs as they have become mere loan sharks. This paper is examining how this change took place in Narsindi District, which is not so far from the capital, Dhaka. Among the 5 largest local NGOs in the District, 2 were established in the 80s, adopting the Shamity Approach, while the others were established in the 90s with MC/MF from the beginning. Recently they have gained some freedom to utilize the profit of MF for social development. More observation is needed in the future to witness the local NGOs in Bangladesh.
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