Dünyada ve Türkiye’de Mikro Kredi Uygulamaları ve Kırsal Kalkınmaya Etkisi.

Poverty has always been

a problem throughout the human history. People have mostly used donation/grant

method to fight against this problem but this method has not work well to

eradicate the poverty. Recently, especially after 1970s, micro credit has been adopted as a poverty eradication tool in all

over the world. Grameen Bank type Micro credit, used in many countries, has

been first introduced to <st1:country-region w:st="on"><st1:place w:st="on">Turkey</st1:place></st1:country-region>

in 2003. The project carried out with the cooperation of Grameen Bank has been

working successfully so far. As of June 2006, 3.454.101 YTL credit has been

loaned to 3385 very poor women to invest in 70 different jobs, and the rate of

return is almost 100%. Through this program, poor people found their own

businesses and become business owners. Hence, they provide additional income

for their families and exceed the poverty line. Micro credit first implemented

in <st1:country-region w:st="on"><st1:place w:st="on">Bangladesh</st1:place></st1:country-region>

and 50% of very poor people who got loan from this program have exceeded the

poverty line, increased their education levels and living standards. Micro

credit can be a very effective tool to eradicate poverty and in rural

development in <st1:country-region w:st="on"><st1:place w:st="on">Turkey</st1:place></st1:country-region>

if right policies and infrastructure are implemented