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2 Many analysts criticized Grameen Bank for its style of functioning Analyze the drawbacks of the Grameen Bank model?
Answer: Grameen Bank model was criticized by many analysts mainly due to improper monitoring of how loans were utilized. Grameen Bank credits loans were given mainly to the womens and were used largely for the consumption rather than for investment purpose.
No any proper monitoring of how the loans are been utilized by the borrower, the bank did not gave any concern about the utilization of loans. So this borrowed loans were mainly utilized for consumption purpose and not for investment which was gain for only for short term because no capital was generated such as under investment.
And the another drawback of Grameen Bank is that the accounts maintained and the method of accounting was not in accordance with industry standards and the bank didn't provided full details about the financial position and loan repayments position. This may be because the institution is mainly service oriented rather than profit motive since the grameen Bank was started with the objectives of financing the rural areas and to reduce the poverty, so that it may not be following the principles and standards of accounting and also not providing full information as they are concern with helping the poor people in reducing poverty.
There is no difference between usurers( Yunus) and corrupt people. The interest charged by Grameen Bank is very high as compared to commercial banks. Especially for the poor people, it is very difficult to repay the loan with high interest rate. Grameen Bank is economically not viable and depends on subsides in order to operate, this essentially becomes another example of welfare.
These are the two main drawback of the institution that has been criticized by many analysts and economists. The other minor draw back includes that they didn't provide training of basic skills needed in business and not extending the market facilities nor undertaking activities to improve the literacy rate and health conditions of the members of the institution.
By. Mani Kumar. B.com 2nd "D"
Gaeddu College of Business Studies.
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