ENABLING HOUSING WITH MICROFINANCE: A CASE STUDY OF GRAMEEN BANK HOUSING PROGRAM IN BANGLADESH

摘要

This paper delineates how housing is reached to the poor through housing microfinance. Taking housing program of Grameen Bank (GB) as a case study, this article portrait the GB's simple, conventional and effioient concept of house design employable by the rural hands. To reach the poor, GB's strategy for housing microfinance includes simplicity; flexibility, available, affordable and speedy disbursal of collateral free loans at rural communities in Bangladesh. Construction of houses is on self-help basis, incrementally developed and adopted vernacular construction. The study recognizes that housing design and lending terms perfectly matches with rural people's livelihood and it brings success to GB's housing program.