⭐【🇧🇩孟加拉社會企業海外見習】 Day 2 ⭐
Bangladesh Social Business Internship Visit-Day 2
Feb. 3rd- Grameen Bank (Dhaka, Bangladesh)
📚第二天一早，Grameen Bank (格萊珉銀行)國際計畫部門首席 Golam MORSHED Mohammed為我們簡介格萊珉銀行，並由管理部門負責人Khir與Abul協助回答我們對於格萊珉銀行的疑問。
In the morning of the second day, Golam MORSHED Mohammed, from the AGM& Faculty Chief International Program Department, introduced Grameen bank to us. At the same time, Khir and Abul, the department leader, helped Golam answer the questions we brought up.
在孟加拉語中，Grameen有「village 鄉村」的意涵，而Grameen Bank便是大家平常所說的「鄉村銀行」。
Let’s introduce its interesting name and Logo firstly! In Bangladesh, “Grameen” means “village”, so “Grameen Bank” is also called “village bank”. The Logo looks like a house but actually it is an upwards arrow which symbolizes positive power. The color is from the national flag of Bangladesh – red and green.
So why Professor Muhammad Yunus established Grameen Bank. Bangladesh is an emerging country, which divided from Pakistan in 1971. Professor Muhammad Yunus, economist from Chittagong University, found out that poor people couldn’t acquire loans from bank simply due to the lack of collaterals. This became a vicious cycle that poor people couldn’t even buy the raw materials to run small business. Consequently, Professor Yunus established Grameen Bank in 1976 in order to solve the social problem that the rich remain wealthy and the poor remain in poverty.
Mission and Vision of Grameen Bank
Dr. Yunus hope that by providing comprehensive financial services, empowering the poor to realize their potential and break out of the vicious cycle of poverty.
There are three visions:
1. Eradicate and Stay Away From Poverty.
2. Integration of IT & Communications for income and knowledge.
3. Prepare the future generation with education and knowledge so that the families do not slip back into poverty.
After a short break, we followed Golam to the gallery of Nobel prize of Yunus. The gallery showcases what Yunus has done along the way and the hand-writing scripts of him at the founding period. Besides, there is also a documentary about Grameen bank.
下午的課程由Md. Humayun和Md. Abdus與大家細談格萊珉銀行的主要業務－借貸和儲蓄，協助沒有金援的窮人有資金開啟事業，有少許積蓄的民眾可以累積財富獲取存款利息。
In what way does the Grameen Bank help the poor?
In the lecture given by Md. Humayun and Md. Abdul in the afternoon, we talked about the main services of the Grameen Bank — loaning and saving. They help the poor people without capital to start their business and the people with some savings build up wealth to gain the interest. In general, commercial banks only provide loans for people with credit and savings. On the other hand, Grameen Bank only lend money to poor people, aiming to help them to own assets. The Grameen Bank encourages the borrowers to pay back the money by letting them pay back a little amount of the money each week and having the bank workers meet directly with the borrowers every week to provide assistance.
🚀當然! 格萊珉銀行提供多種不同的貸款和儲蓄的業務，像是就業貸款、房屋貸款、個人儲蓄、借貸保險儲蓄等產品，明天我們會前進鄉村，直接和當地銀行與借款民眾面對面訪談! 讓我們期待明天格萊珉銀行與孟加拉居民最真實的故事！🤩
Of course, Grameen Bank provides many different loans and saving products, such as basic loan, house loan, personal deposits, loan insurance saving fund, etc. Tomorrow, we will walk into village, visiting local branch offices of Grameen Bank and borrowers! Let us look forward to the authentic stories about Grameen Bank and Bangladeshis tomorrow!🤩