⭐【🇧🇩孟加拉社會企業海外見習】 Day 3 ⭐
Bangladesh Social Business Internship Visit-Day 3
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📌2020年2月4日(二) – 格萊珉銀行Sadipur村莊中心與分行辦公室
Feb. 4th- Centre & Branch Office of Grameen Bank in Sadipur
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來到孟加拉的第三天，我們前往鄉村拜訪格萊珉銀行的借款人，以實際面談與觀察的方式，一探最基層的借款人和分支銀行的運作模式，了解最真實的借款故事，看看格萊珉銀行如何一步一腳印的改善窮人的生活。
The third day in Bangladesh, we headed to village visiting borrower of Grameen Bank. Through interviewing and observing, we found out the operation mode between borrowers and branch offices, heard the most authentic stories and saw how Graeme bank has improved the lives of the poor step by step.
歷經兩個多小時的車程🚐，我們來到位於Sadipur的村莊，第一站，來到銀行當地的借款「中心」（Centre），這是格萊珉銀行最基層的組織，銀行的借款人以五到十人為一組(group)向銀行提出借貸，而每個基層「中心」管理八到十組團體。每週有一次的集會，主要是提供借貸，並掌握各借款人的還款狀況，今天早上剛好是他們的集會時間，我們把握機會採訪借款人。
It took us 2 hours to get to village Sadipur 🚐. The First stop is the “Centre” of Grameen Bank, which is responsible for local loan. Each borrowing group consists of 5 to 10 people and each “Centre” manages 8 to 10 groups. They have a meeting once a week, mainly for debits and credits services. Besides, they need to control the loan repayment progress of borrowers. This morning is their gathering, so we tried to interview them in person.
其中最令人印象深刻的是一位頭帶粉色頭巾名叫Agoda（音譯）的女士。在Agoda加入格萊珉之前，家徒四壁的她透過每日辛勤工作，以賺取微薄的收入來提供家裡的四個人花用，然而，她年幼的兩位女兒仍難以獲得良好照料而過世😢。此時她參加格萊珉銀行的借貸服務，最初借了2,000塔卡（約24美元）來做農作生意，到後來因為信用的累積可以借到300,000塔卡（約360美元）得以擴展大範圍的農作，這筆錢對於身處困境的人們就能大大改變他們的一生，而像Agoda這樣的例子在孟加拉卻是到處都是。
The most impressive borrower interviewed today is Ms. Agoda. Before joining Grameen Bank, as hard as she worked to maintain her four-people family by the little amount of money she earned, two of her daughters still died of malnutrition.😢 That was when she started to borrow money from Grameen Bank. The first time she borrowed BDT$2,000 (about USD $24) to start her agriculture business. Until later on when her credit gave her the opportunity to borrow BDT$300,000 (USD$360), the money helped her increase her business. The money that Grameen Bank lends is like an oasis to the underprivileged people. It changes their lives dramatically, and there are people with similar stories everywhere in Bangladesh.
另外一位40歲的婦女Hamida（音譯）在12年前加入了格萊珉銀行，第一次借貸5,000塔卡(約60美金)開始做農業產品的小生意，之後一次又一次的借貸，慢慢開始有不錯的收入，逐漸改善生活，她邀請我們到她的家裡看她的生活環境，她用借貸後賺取的錢買了床、衣櫃、電視等等，相較以往的貧困生活有非常大的改變。
Another forty-year-old woman called Hamida joined Grameen bank twelve years ago, borrowing BDT$5,000 (USD$60) to grow some crops in the beginning. With every borrowing and paying back, Hamida soon had a better income. She invited us to visit her room and showcased the bed, the closet and the television which were bought with loan. Being compared with the life in the past, her life right now has greatly improved.
孟加拉的婦女較早結婚，比如Hamida今年40歲，女兒22歲，還有一個3歲的孫女。孟加拉的女性社會地位處於弱勢，這也是為什麼格萊珉銀行一直以來都以婦女為主要客群，為的不只是解決貧窮，更可以提升婦女獨立自主的能力。
Women in Bangladesh often get married at young ages. Take Hamida for example, she is forty years old now but she has a twenty-two-year-old daughter and a three-year-old granddaughter. The social status of women in Bangladesh is mainly in the underprivileged situation. This is why the target customers of Grameen are always women because that can not only eliminate poverty but also make them more independent.
接著我們來到了一間小鐵皮屋，裡面的夫妻正在進行紡織，在這裡一件完成品可以賣3,000-4,000塔卡(約45美金)，而這在當地是相當不錯的價格！成品雖華麗，但卻還是遠遠不及織布人在織布當下所散發出的光芒絢麗，而我們也很榮幸可以見證到這個過程。
Next, we went to a small tin house. The couple inside was spinning and weaving. One piece of the fabric could be sold at the price of BDT$3,000-4,000 (USD$45). The fabric is gorgeous. And the hard-working people here made this weaving process more fascinating. We were fortunate enough to observe this.
第二站，來到格萊珉的「分行」（Branch office），每一個「分行」管理約8~10個「中心」，也就是格萊珉銀行的第二層組織，主要是管理各地區「中心」收來的帳款，分行的負責人Nasir提到他十分熱衷於在格萊珉銀行的工作，雖然離鄉背井來到鄉村工作，但十分享受與借款人的交流，幫助他們脫離貧窮，改善生活，創造自己工作的價值。
“Branch Office” of Grameen Bank is our second stop. Each “Branch” is responsible for 8 to 10 Center; that is, it is the second level of Grameen Bank. A Branch Office mainly manages the Account Receivables from different Centres. The manager of this Branch Office, Nasir, mentioned that he loves his job in Grameen Bank. Though he is far away from his hometown and chose to work in village, he really enjoys interacting with borrowers. He helps borrowers get out of poverty and improve their life. Moreover, he found out his own value in this job.
今天的鄉村探訪更印證了格萊珉銀行的引響力與成功，借款人藉由微額貸款脫離貧窮，明天，我們再將前往其他區域，發現更多故事！
Today’s visit to village confirms the fascination and success of Grameen Bank. Borrowers are out of poverty through micro-loans. Tomorrow, we will visit the next village to discover more stories!
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📌撰稿：劉芷聿、黃詩婷、鄭舒蔓、李浚丞、周家妃、施詠懷
📌校稿：國立中央大學尤努斯社會企業中心
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#socialbusiness
Grameen Bank
#2020孟加拉社會企業海外見習
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著作權聲明：圖文引用請註明【國立中央大學尤努斯社會企業中心】
