Message-ID: <9505211529.AA06721@cr-df.rnp.br> Date: Sun, 21 May 1995 12:29:40 EST From: Companheiros das Americas <mailto:poa-bsb@CR-DF.RNP.BR> Subject: Internet participation on Brasilia project To: Multiple recipients of list DEVEL-L
Dear,
As you know, our Partners Brasilia/Washington DC chapter is
very involved helping the local and the federal governments to
create their community banking following (and adapting) the
Grameen Bank model.
As you have noticed, I am requesting information about GB and
similar institutions through the Partners list and DEVEL-L list
and getting back a lot of names of institutions and agencies
doing this kind of program, from all over the world.
Now it's time to start writing to them. What for? To ask them how
do they work and what could we do together. So, if any one of you
could suggest us some questions which could be relevant, we will
include them in our letters, to gather all the relevant informations.
We would also appreciate if any of you suggest better formulations
for the next questions, as our English has very hard limitations.
Thanks.
These are the questions we intend to ask (in a proper form) to the
institutions and agencies we have already identified:
1. When did the institution start to lend money to empower the
poor's business?
2. Where (what countries, what regions) does the institution develop
its lending program?
3. Which is the legal status of the institution that allow it to lend
money as a bank? Aren't there any legal constraints or exigencies
from the local Central Bank, etc.?
4. From where comes the money lent? Does the institution gather
money from lenders who later will have it back, increased by some
interests? Which are the rates?
5. How many loans have been provided till now, and what is the
total amount involved?
6. Which are the limit amounts of the first credit? Least and maximal?
7. Do these limits change in the subsequent loans?
8. How many months has the borrower to pay the loan back?
9. Which are the interests and other expenses charged by the
institution?
10. Which are the criteria to lend money to a person?
11. Which are the exigencies and requirements demanded by the
institution that the borrowers must fulfill to be funded the first time?
And the other subsequent loans?
12. Does the institution lend money to individuals alone, or just to
people organized in groups? How many people can be members
in the same group?
14. How many microenterprises have been financed? How many
jobs were created?
15. Which is the statistical borrowers' distribution per gender, age,
school level etc...?
16. Which is the statistical distribution per kind of enterprise
(individual, family, cooperative ...) and per products made and/or sold.
17. Which has been the repayment/failure rate?
18. Which are the business most able to succeed and/or to fail?
19. Could the institution send us copies of one or two real loan
proceedings, including the filled by the borrower, the evaluation and
recommendations of the Institution, the follow-up reports, and so on?
20. ...
We would appreciate very much your support and collaboration in this
first interactive project linking on-line real time Brasilia (Brazilian
capital) and the social development international community, via Internet.
We are very hopeful that this will start a very important world phenomenon.