Placement and Outreach of Group-Based Credit Organizations: The Cases of ASA, BRAC, and PROSHIKA in Bangladesh
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The implicit but widespread assumption regarding nongovernmental financial institutions in Bangladesh has been that they are indeed placed in special poverty-stricken areas. Is this assumption valid? If not, what factors affect programs placement across communities? Using thana-level data to analyze the geographic placement of three credit programs in Bangladesh, this paper provides evidence that branches tend to be located in poor pockets of relatively well-developed areas than in remoter, less developed regions. Client density of established branches does not exhibit such a feature and actually tends to be better in less advantageous locations. (C) 1999 Published by Elsevier Science Ltd. All rights reserved.
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