Chapter 9: Experience of group formation in Grameen Bank, Bangladesh
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The objective of the chapter is to narrate the Grameen Bank (GB) group and center organizing, designing, forming and building tools in Bangladesh and to identify what mistakes the author and his colleagues have made during their journey in GB. It explores how they could do better jobs in organizing, designing, building and forming groups and centers and other activities if they are skilled in the community work ahead of their jobs in GB. The chapter discusses different concepts, thoughts and ideas of community organizing, community designing, community building, and different mechanisms of GB loans and savings services for poor people in Bangladesh. GB is continuously changing its center organizing and building tools; and developing innovative loans and savings products suitable for its borrowers to overcome their poverty. The chapter narrates the author and his colleagues’ personal working experience in GB during the late 1970s and 1980s. Moreover, the chapter incorporates different challenges that GB faces, like social and economic barriers at the macro and micro level, in implementing its services to poor people in Bangladesh at different times; and how GB overcomes these challenges and developed different innovative products and services in its Phase-I and Phase-II. The narrated history of forming groups and organizing centers of GB and its different loan and savings products’ evolutionary process generates new knowledge and evidence in the field of group-based micro-credit. The process of evolution of GB would be a learning lesson for readers, micro-finance practitioners, researchers and different community organizers in Bangladesh and elsewhere.

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