Öz
Bangladeş İslam Bankası (BIBL), Bangladeş’in en hızlı
şekilde büyüyen ve gelişen özel bankalarından biridir. Söz konusu banka Bangladeş’in
sosyo-ekonomik durumunu iyileştirmek ve özellikle de bölgenin yoksul ve çalışkan
topluluklarını ekonomik olarak kalkındırmak amacıyla 1995
yılında ‘kırsal kalkındırma projesi’ini başlatmıştır. Kuruluşundan bugüne değin
bu projenin müşterilerinin %85’i kadınlardan oluşmaktadır. Bu araştırma,
bölgede yoksulluğun minimuma indirilmesi ve ‘kırsal kalkınma projesi’nin daha iyi
şekilde hizmet verebilmesi için yeniden yapılandırılması konusunda bazı teklif ve
önerileri ele almaktadır. Zira, Bangladeş'te bulunan pek çok faizli mikro finans
kuruluşlarının yaptıkları projeler fakirliğin azalması konusunda başarlı olamamıştur.
Bu yüzden, araştırmada fakirliğin giderilmesi ve kırsal kalkınma projesi bağlamında
bölge halkının işletime dahil edilebilmesi firsatları üzerinde durulacaktır.
Anahtar Kelimeler
Kaynakça
- AL-Qur’an.
- Affandi, A and Astuti, DP. (2013): Dynamic model of ibn khaldum theory on poverty: empirical analysis on the poverty in majority Muslim population after the financial crisis, Humanomics, 29(2), 136-60.
- Ahmed, A., Sulaiman, M. U., Rabbani, M. and Das, N. C. (2009). “The impact of asset transfer on livelihoods of the Ultra Poor in Bangladesh”. Research Monograph Series, Research and Evaluation Division, BRAC, Dhaka, No. 39.
- Bangladesh Bureau of Statistics. Statistics Division, Ministry of Planning, Government of the People’s Republic of Bangladesh.www.tradingeconomics.com
- Begum, A.A. (2004), “Acid violence: A burning issue of Bangladesh its medico legal aspects”, American Journal of Forensic Medicine Pathology”, 2, 321-323.
- BRAC. (2011). “BRAC at a glance,” March, 2011. Available at: <http://www.brac.net/content/stay-informed-brac-glance> Access Date: 21st June, 2011.
- Freidman, M. (1969) “the optimum quantity of money and other essays” Aldin Translation, Chicago, ISBN: 9780202060309.
- Grameen Bank. (2013a). “Grameen Bank Monthly Update in BDT,” 4th September, 2013, Issue no.: 404. Available at: <http://www.grameen-info.org/index.php?option=com_content&task=view&id=452&Itemid=526>Access Date: 11The September, 2013.
- Grameen Bank. (2013b). “Past Sixteen Years at a Glance (1997- 2012). Available at: http://www.grameeninfo.org/index.php?option=com_content&task=view&id=38&Itemid=43
- Hallaq, W.B. (1997), Islamic Legal Theories. New York, Cambridge press.
- Hanafiah, OF. (2009). An analysis on the influence on the variables in Ibn Khaldun dynamic model towards poverty in some Muslim countries, Thesis center for post graduate studies, University of Indonesia.
- https://en.wikipedia.org/wiki/Bangladesh.
- https://en.wikipedia.org/wiki/Islam_in_Bangladesh
- http://www.grameen-info.org/
- IBBL: http://www.islamibankbd.com/# http://www.islamibankbd.com/rds/objectives.php
- Islam, T. (2007) Microcredit and Poverty Alleviation. Hamshaire: Ashgate Publishing Limited.
- Islamic Bank Bangladesh Limited (IBBL): Annual report 2014, Dhaka.
- Manuals (2002-2008). GB/BRAC/ASA/PROSHIKA /ACTIONAID, Dhaka: Bangladesh
- Momen, M. N., and Begum, M. M. (2006) Impact of Micro-Credit Program for Women Development in Bangladesh: A Case Study of BRAC. Asian Journal of Information Technology. 5(11), 1269-1283.
- Obaidullah, M. (2008). Role of Microfinance in poverty alleviation. Jeddah: IRTI.
- Parveen, J. A. (2009). “Sustainability Issues of Interest - Free Micro -Finance Institutions in Rural Development and Poverty Alleviation: The Bangladesh Perspective”. Theoretical and Empirical Researches in Urban Management
- Personal Interview with Mr. M. Kabir Ahmad (SPO & Manager operation). (17th July, 2015). Interview taken by AHM Ershad Uddin at the Islami Bank Bangladesh Limited, Chittagong, Bangladesh.
- Rahman, M. Mizan, Jafrullah, M. Islam, Tawhidul, ANM.(2008): “Rural Development scheme of Islami Bank Bangladesh Limited (IBBL): Assessment and challenges, IIUM journal of Economics and management 16(2), 139-163.
- Rahman. M.M et al. (2008) “Rural development scheme of Islami Bank Bangladesh Limited (IBBL): Assessment and challenges” Human journal of economics and managements, Vol- 16, pp, 139-163.
- Raqib, A. (2011) Islamic Banking & Zakat - An Alternative Approach to Poverty Reduction in Bangladesh. Journal of Islamic Economics, Banking and Finance. 7(2), 11-26.
- Rosly, S.A. (2005). Islamic banking: Doing things right and doing right things. Malaysian Journal of Economics Studies 42 (1,2), 31-40.
- Sarkar, S. (2011). Microfinance: concept, system, perceptions and impact: A review SGSY operations in India, 8-9.
- Shahadat Hossain, M.D., (2014). An Analysis on Macroeconomic Performance of Bangladesh. (Dhaka, Bangladesh: The Institute of Chartered Accountants of Bangladesh, 2014), 17.
- Shohrowardhy, H.S. (2015) “Elixir of growth of Islamic banking system: a study on Bangladesh”. A thesis of PhD, Dept. of finance & Banking, University of Chittagong, Bangladesh.
- Siddiqi, M.N. (1973) “Banking without interest”. Islamic publication, Lahore, Pakistan.
- Uddin, AE, (2016), “Through Islamic Banks’ zakat house (IBZH): Investment of Zakah funds in microfinance to remove poverty in Bangladesh: A new model”. International Journal of Islamic Economics and Finance Studies; 2(1).
- UNDP (2012), Scaling up Islamic microfinance in Bangladesh through the private sector: experience of Islamic Bank Bangladesh limited (IBBL), available from www.undp.org/poverty
- World Bank, (2014). <http://www.worldbank.org/en/topic/ agriculture/x/star> accessed November 01, 2014.
Öz
An
ideal kind of financing under the observation of a growing lender-borrower
network between banks and the rural based micro entrepreneurs, which are the
formulated characteristics of interest free microfinance. Islamic Bank
Bangladesh Limited (IBBL) is one of the fastest growing private banks of
Bangladesh. To improve socio-economic state of Bangladesh, specially, the lives
of the minor and hardworking people, therefore, the Rural Development Scheme
(RDS) of IBBL has been initiated in 1995. And the main clients of this project
are women who have been estimated to be about 85% approximately. This paper
aims at poverty minimization and a hand–out help for suggestions to
re-construct the Rural Development Scheme (RDS) through microfinance, so that,
it can reach the ones in need. There are surplus number of institutions that
have this Islamic microfinance service in Bangladesh but it is not mentioned
here except for RDS and its activities are enumerated. A number of conventional
MFIs are present in Bangladesh which work based on interest, those which did
not measurably promote the status of poverty-stricken people over the years.
The concern of this paper is to deduct poverty along with, to overcome the
challenges of RDS and open opportunities of employment as a step towards
poverty minimization. Though this research is analytic and descriptive yet it
follows a comparative methodology in scrutinizing conventional microfinance
institutions.
Anahtar Kelimeler
Kaynakça
- AL-Qur’an.
- Affandi, A and Astuti, DP. (2013): Dynamic model of ibn khaldum theory on poverty: empirical analysis on the poverty in majority Muslim population after the financial crisis, Humanomics, 29(2), 136-60.
- Ahmed, A., Sulaiman, M. U., Rabbani, M. and Das, N. C. (2009). “The impact of asset transfer on livelihoods of the Ultra Poor in Bangladesh”. Research Monograph Series, Research and Evaluation Division, BRAC, Dhaka, No. 39.
- Bangladesh Bureau of Statistics. Statistics Division, Ministry of Planning, Government of the People’s Republic of Bangladesh.www.tradingeconomics.com
- Begum, A.A. (2004), “Acid violence: A burning issue of Bangladesh its medico legal aspects”, American Journal of Forensic Medicine Pathology”, 2, 321-323.
- BRAC. (2011). “BRAC at a glance,” March, 2011. Available at: <http://www.brac.net/content/stay-informed-brac-glance> Access Date: 21st June, 2011.
- Freidman, M. (1969) “the optimum quantity of money and other essays” Aldin Translation, Chicago, ISBN: 9780202060309.
- Grameen Bank. (2013a). “Grameen Bank Monthly Update in BDT,” 4th September, 2013, Issue no.: 404. Available at: <http://www.grameen-info.org/index.php?option=com_content&task=view&id=452&Itemid=526>Access Date: 11The September, 2013.
- Grameen Bank. (2013b). “Past Sixteen Years at a Glance (1997- 2012). Available at: http://www.grameeninfo.org/index.php?option=com_content&task=view&id=38&Itemid=43
- Hallaq, W.B. (1997), Islamic Legal Theories. New York, Cambridge press.
- Hanafiah, OF. (2009). An analysis on the influence on the variables in Ibn Khaldun dynamic model towards poverty in some Muslim countries, Thesis center for post graduate studies, University of Indonesia.
- https://en.wikipedia.org/wiki/Bangladesh.
- https://en.wikipedia.org/wiki/Islam_in_Bangladesh
- http://www.grameen-info.org/
- IBBL: http://www.islamibankbd.com/# http://www.islamibankbd.com/rds/objectives.php
- Islam, T. (2007) Microcredit and Poverty Alleviation. Hamshaire: Ashgate Publishing Limited.
- Islamic Bank Bangladesh Limited (IBBL): Annual report 2014, Dhaka.
- Manuals (2002-2008). GB/BRAC/ASA/PROSHIKA /ACTIONAID, Dhaka: Bangladesh
- Momen, M. N., and Begum, M. M. (2006) Impact of Micro-Credit Program for Women Development in Bangladesh: A Case Study of BRAC. Asian Journal of Information Technology. 5(11), 1269-1283.
- Obaidullah, M. (2008). Role of Microfinance in poverty alleviation. Jeddah: IRTI.
- Parveen, J. A. (2009). “Sustainability Issues of Interest - Free Micro -Finance Institutions in Rural Development and Poverty Alleviation: The Bangladesh Perspective”. Theoretical and Empirical Researches in Urban Management
- Personal Interview with Mr. M. Kabir Ahmad (SPO & Manager operation). (17th July, 2015). Interview taken by AHM Ershad Uddin at the Islami Bank Bangladesh Limited, Chittagong, Bangladesh.
- Rahman, M. Mizan, Jafrullah, M. Islam, Tawhidul, ANM.(2008): “Rural Development scheme of Islami Bank Bangladesh Limited (IBBL): Assessment and challenges, IIUM journal of Economics and management 16(2), 139-163.
- Rahman. M.M et al. (2008) “Rural development scheme of Islami Bank Bangladesh Limited (IBBL): Assessment and challenges” Human journal of economics and managements, Vol- 16, pp, 139-163.
- Raqib, A. (2011) Islamic Banking & Zakat - An Alternative Approach to Poverty Reduction in Bangladesh. Journal of Islamic Economics, Banking and Finance. 7(2), 11-26.
- Rosly, S.A. (2005). Islamic banking: Doing things right and doing right things. Malaysian Journal of Economics Studies 42 (1,2), 31-40.
- Sarkar, S. (2011). Microfinance: concept, system, perceptions and impact: A review SGSY operations in India, 8-9.
- Shahadat Hossain, M.D., (2014). An Analysis on Macroeconomic Performance of Bangladesh. (Dhaka, Bangladesh: The Institute of Chartered Accountants of Bangladesh, 2014), 17.
- Shohrowardhy, H.S. (2015) “Elixir of growth of Islamic banking system: a study on Bangladesh”. A thesis of PhD, Dept. of finance & Banking, University of Chittagong, Bangladesh.
- Siddiqi, M.N. (1973) “Banking without interest”. Islamic publication, Lahore, Pakistan.
- Uddin, AE, (2016), “Through Islamic Banks’ zakat house (IBZH): Investment of Zakah funds in microfinance to remove poverty in Bangladesh: A new model”. International Journal of Islamic Economics and Finance Studies; 2(1).
- UNDP (2012), Scaling up Islamic microfinance in Bangladesh through the private sector: experience of Islamic Bank Bangladesh limited (IBBL), available from www.undp.org/poverty
- World Bank, (2014). <http://www.worldbank.org/en/topic/ agriculture/x/star> accessed November 01, 2014.
Ayrıntılar
| Bölüm | Makaleler |
|---|---|
| Yazarlar | |
| Yayımlanma Tarihi | 26 Ekim 2017 |
| Gönderilme Tarihi | 26 Ekim 2017 |
| Yayımlandığı Sayı | Yıl 2017Cilt: 2 Sayı: 2 |