Grameen Bank Groups and Self-Help Groups: What are the Differences?
Harper, M.
Publication Date: 2002
Published by: London, UK: ITDG publishing
Document Type: Case Study
Analogies and differences between 'solidarity groups' and 'self-help groups'
Most micro-finance institutions (MFIs) use group intermediation to distribute their services
This paper:- Describes the two major group-based systems of micro-finance: the 'solidarity groups' as pioneered by the Grameen Bank in Bangladesh and the 'self-help groups' which have evolved from traditional revolving savings and credit group and are now widely used as intermediaries by banks in India
- Compares the outreach, the costs and the institutional implications of each method
Finally, the paper concludes that neither is 'better' than the other, but they are very different, and it is important to appreciate the differences and to choose the system which is appropriate for local client and institutional realities
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