Kunnskapsfilm

Microfinance School > Human Capital

444 visninger

Serie: Microfinance School

  1. Banking the Unbanked

    15:16

    Microfinance institutions are now present in almost every country in the world, and are providing access to financial services to millions of people. In this film we look at typical microfinance tech-nologies and methodologies in three very different countries, but with similar needs. Access to fi-nancial services such as savings, loans and insurance is an important tool to help poor people smooth out the negative effects of little and fluctuating income.

  2. Human Capital

    13:34

    Access to money alone is often not enough to lift people out of poverty. In order to facilitate a social change you need be healthy and you need knowledge. In Human Capital we look at a holistic ap-proach to microfinance. Many microfinance institutions combine financial services with education and health programs with the aim of long-term social change. What are the benefits and what are the disadvantages of such an approach? How do you measure social change?

  3. Banking woman

    13:12

    Microfinance institutions traditionally have targeted women. They have proven to be more reliable debtors and the loans tend to bring more benefit to the whole family. A dollar to a woman is a dol-lar to the whole family, so to speak. In this film we focus on microfinance projects and/or institu-tions targeting women especially. How are these projects different from microfinance that targets both genders? How can access to financial services be an effective tool towards a gender equal soci-ety, both economically and socially?

  4. Best Practise: Miles for smiles

    07:59

    Katherine Kitongo identified a problem in Ugandan markets. The different stalls where often run by single mothers forced to bring their children to work with them. It is a double whammy; the children did not go to school and the mothers could not run their business as effective as they wanted to. Katherine's answer was Miles to Smiles, a daycare center for the children of the women in the mar-ket. And the fees for the daycare center? Katherine set up a loan and savings group for the mothers at the center.

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Beskrivelse

Access to money alone is often not enough to lift people out of poverty. In order to facilitate a social change you need be healthy and you need knowledge. In Human Capital we look at a holistic ap-proach to microfinance. Many microfinance institutions combine financial services with education and health programs with the aim of long-term social change. What are the benefits and what are the disadvantages of such an approach? How do you measure social change?

Microfinance has been saluted as one of the tools really helping poor people move out of poverty. However, MF cannot solve all problems and causes. MF is only of the tools needed. Living in poverty does not only mean lacking access to financial services. Alongside with this is a number of other issues; Literacy rate is low, children are often not in school, but have to stay home to help work and earn what is needed to buy food. Further, social problems such as early and child marriages and dowry are other issues to overcome. To reach the full potential and eradiation of poverty, both social and economic empowerment is needed. Health services and education in general, literacy and numeracy are only among the other services that can complement and enforce the effects and results from MF.