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:''This article is specific to small loans, often provided in a pooled manner.〔(P2P lending vs microcredit )〕 For direct payments to individuals for specific projects, see Micropatronage. For financial services to the poor, see Microfinance. For small payments, see Micropayment.'' Microcredit is the extension of very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history. It is designed not only to support entrepreneurship and alleviate poverty, but also in many cases to empower women and uplift entire communities by extension. In many communities, women lack the highly stable employment histories that traditional lenders tend to require. Many are illiterate, and therefore unable to complete paperwork required to get conventional loans. As of 2009 an estimated 74 million men and women held microloans that totalled US$38 billion. Grameen Bank reports that repayment success rates are between 95 and 98 percent.〔(Grammen Bank report )〕 Microcredit is part of microfinance, which provides a wider range of financial services, especially savings accounts, to the poor. Modern microcredit is generally considered to have originated with the Grameen Bank founded in Bangladesh in 1983.〔 Many traditional banks subsequently introduced microcredit despite initial misgivings. The United Nations declared 2005 the International Year of Microcredit. As of 2012, microcredit is widely used in developing countries and is presented as having "enormous potential as a tool for poverty alleviation."〔Jason Cons and Kasia Paprocki of the Goldin Institute, ("The Limits of Microcredit—A Bangladeshi Case" ), ''Food First Backgrounder'' (Institute for Food and Development Policy), Winter 2008, volume 14, number 4.〕 Critics argue, however, that microcredit has not had a positive impact on gender relationships, does not alleviate poverty, has led many borrowers into a debt trap and constitutes a "privatization of welfare".〔Gina Neff:(Microcredit, microresults ) The Left Business Observer #74, October 1996〕 The first randomized evaluation of microcredit, conducted by Esther Duflo and others, showed mixed results: there was no effect on household expenditure, gender equity, education or health, but the number of new businesses increased by one third compared to a control group. Professor Dean Karlan from Yale University says that whilst microcredit generates benefits it isn't the panacea that it has been purported to be. He advocates also giving the poor access to savings accounts.〔BBC:(Business Weekly ), 2 August 2009〕 ==History== 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「microcredit」の詳細全文を読む スポンサード リンク
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