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Bank "Wiejski" --- drugie spojrzenie na Pokojową

15.10.06, 19:32
Nagrodę Nobla.

Czyli - co się MOŻE kryć za kulisami.

Przesyłam dalej tekst, który otrzymalem pośrednio (nie byłem jego adresatem); autorem jest Bengalczyk, pracownik naukowy jedengo z kanadyjskich uniwersytetów.

<<This award proves again the Goebbelsian dictum that a lie uttered a thousand times becomes more credible than the truth. This Nobel Peace Prize for Dr Yunus and his bank on a "Friday the 13th" is a slap in the face of those who have been trying to bring the Third World out of the strangling grip of the global hegemons
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      • cepekkolodziej Re: Bank "Wiejski" --- drugie spojrzenie na Pokoj 15.10.06, 19:59
        To, co pisze autor tekstu o swego rodzaju pasożytowaniu organizacji pozarządowych (NGO) na biedzie ludzi, którym powinny służyć, jest niestety prawdą. I nie dotyczy jedynie Bangladeszu.

        Spojrzenie "pod" bywa nieprzyjemne, ale jest konieczne.

        Kiedy w Polsce powstawala sieć bankow społdzielczych, wierzono, że zbliżą klienta do instytucji, umożliwią kredytowanie klientów, których większe banki odrzuciłyby jako niewiarygodnych -
      • cepekkolodziej Re: Patrz no. Raz sie z tobą zgodze. 15.10.06, 20:33
        Znowu nie popadajmy w przesadę w drugą stronę. Niezaleznie od przekrętów, takie organizacje sprzyjają poszerzeniu uczestnictwa, stają się instrumentem budowy spoleczeństwa obywatelskiego.

        W sumie kwestia kontroli. Organizacje pozarządowe nie mogą być świętymi krowami.

        Jaki pozytyw w Bangladeszu? Z cała pewnością mnóstwo kobiet zhardziało i zaczęło się samodzielnie krzątać. [Nawiasowo: w Azji Pd. baby i tak zawsze byly pyskate i harde.] I z całą pewnością mnóstwo wieśniaków poznało reguly rządzące gospodarką rynkową i nauczyło się korzystać z dostępnych źródeł kredytowania, uciekając tym samym ze szponów lokalnych lichwiarzy i ich procentu składanego.
    • lux_et_veritas Serving global capitalism or socialism? 15.10.06, 23:03
      > ve the interests of global capitalism and multi-nationals, not the poor in the
      > Third World.

      Bank ów założony był głównie ze środków państwowych i dotowany z ONZ, rządów
      zagranicznych oraz wspierany przez takie organizacje działające na rzecz
      umacniania sie globalnego etatyzmu (a więc i biedy) oraz bankowego kartelizmu i
      centralizmu jak BŚ i MFW. Nie wspominając już o tym, iż piramida finansowa dr
      Yunusa na wolnym rynku dłużej niż rok by się nie utrzymała, a całe
      przedsięwzięcie ma charakter głównie ideologiczny, nie mający wiele wspólnego
      ani z wyciąganiem ludzi z biedy ani z kapitalizmem.

      Polecam dobry artykuł na temat "dobroczyńcy" z Bangladeszu - sprzed dekady, ale
      w tych dniach jak najbardziej aktualny:

      "The story could be an allegory for the "micro-credit" movement, the current
      enthusiasm of the political Left here and abroad. It promises credit for poor
      people with no savings or collateral. A closer look, however, shows the movement
      to be financially dangerous, subtly coercive, and, in its most famous case, an
      enemy to children and families.

      The micro-credit movement got a big boost at the summer 1995 UN world conference
      on women. The person who received the largest round of applause was not Hillary
      Clinton or Bella Abzug. It was a banker, and a man no less: Bangladesh economist
      Muhammad Yunus.
      (...)

      Yunus runs Bangladesh's Grameen Bank, the most politically correct bank in the
      world. The literature on him is hagiographic in the extreme. Academic journals
      and books tout Yunus and Grameen in dozens of studies. All major newspapers,
      including the Wall Street Journal, have run glowing profiles. "McNeil-Lehrer
      Newshour" did a full segment. The Economist magazine has been taken in. He has
      been nominated for the Nobel peace prize!

      Meanwhile, governments are urging their bankers to replicate Yunus's alleged
      successes. Next year, Washington, D.C., will host a world summit on the
      micro-credit movement, with the enthusiastic support of the Clinton
      administration and many Republicans in Congress. Conventional commercial bankers
      should prepare for some bitter attacks on their lending policies.


      It turns out, however, there's more to Yunus's banking scheme than meets the
      eye. Grameen is not a bank at all. Deposits from individuals and firms account
      for a mere 3% of its assets. The bank actually functions as a conduit for huge
      grants from governments and international agencies. That aid is then used as the
      basis of a credit pyramiding scheme that not only provides micro-loans but also
      funds a creepy form of feminist social engineering that wars against children
      and marriage.

      (...)

      Grameen charges its customers 20% interest, below the market in a country with
      high inflation and virtually no savings. At this rate, the reinvestment scheme
      subsidizes its loans by 39%. The bank is forever forecasting future profits.
      Somehow that day never arrives — which doesn't mean that its managers and top
      employees are doing charity work.

      The 98% repayment figure does not reflect the behavior of actual individual
      borrowers. Grameen relies on the "peer group" method of repayment. Borrowers are
      lumped into cells of five. Any future loans — which offer 80% more money than
      the first one — depend on repayment by the entire cell.

      (...)

      The bank claims the system is "self policing." But observers note that its
      employees (many of them Western ne'er-do-wells in search of foreign utopias)
      engage in weekly, door-to-door monitoring of all borrowers. Even then, the
      payback rate for second-time borrowers is much lower.

      "Confidentiality breeds lies," says Yunus, and that rule applies to more than
      finances. The bank's ideological mission requires that when you borrow, you turn
      over your private life to the bank's staff. Borrowers must take vows to "keep
      our families small," to "build and use pit-latrines" and to "plant as many
      seedlings as possible during the planting seasons."

      It gets stranger. The bank requires borrowers to attend weekly physical-training
      exercises. They must participate in parades where they repeatedly chant the
      "Sixteen Decisions," a narrative summing up the bank's worldview. Among the
      choruses is this: "We shall take part in all social activities collectively."

      Yunus was cheered at the UN conference because 93% of Grameen's borrowers are
      women. But this fact too is a function of its social agenda. Yunus — and the
      international organizations that fund him — have concluded that population and
      marriage are the primary causes of Bangladesh's poverty. Women drawn into the
      Grameen orbit "emancipate" themselves from family and biology and enslave
      themselves to Grameen instead.

      (...)

      Borrowers with children are strongly "encouraged" to send them to one of 18,000
      "feeder schools" from a very young age. There they are taught with Grameen
      textbooks that promote the Sixteen Decisions. People who work for the bank must
      also demonstrate loyalty to the Sixteen Decisions.

      All this suggests the Grameen Bank is more of a cult than a financial
      institution. But let's consider its financial claims more carefully. It claims
      to be privately owned. But that's because borrowers are forced to buy at least
      one share in the bank. Currently about 88% of the bank's ownership is spread
      between 1.5 million borrowers, while the government still owns the other 12%.
      Borrowers cannot sell the shares they "own," however, and each borrower also
      pays a 5% "contribution" to a "cell group fund," plus 1% to a savings fund that
      pays no interest."

      Całość: mises.org/freemarket_detail.asp?control=215&sortorder=articledate
    • cepekkolodziej Re: Bank "Wiejski" --- drugie spojrzenie na Pokoj 22.10.06, 06:44
      Następne spojrzenie na instytucję mikro-kredytów:


      www.counterpunch.org/cockburn10202006.html

      <<As the economist Robert Pollin put it pithily when I asked him what he thought of the award to Younus , "Bangladesh and Bolivia are two countries widely recognized for having the most successful micro credit programs in the world. They also remain two of the poorest countries in the world.">>

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