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基本説明
邦訳：2011年12月・みすず書房
New in paperback. Hardcover was published in 2009. The authors report on the yearlong "financial diaries" of villagers and slum dwellers in Bangladesh, India, and South Africa - records that track penny by penny how specific households manage their money.
Full Description
Nearly forty percent of humanity lives on an average of two dollars a day or less. If you've never had to survive on an income so small, it is hard to imagine. How would you put food on the table, afford a home, and educate your children? How would you handle emergencies and old age? Every day, more than a billion people around the world must answer these questions. Portfolios of the Poor is the first book to systematically explain how the poor find solutions to their everyday financial problems. The authors conducted year-long interviews with impoverished villagers and slum dwellers in Bangladesh, India, and South Africa--records that track penny by penny how specific households manage their money. The stories of these families are often surprising and inspiring. Most poor households do not live hand to mouth, spending what they earn in a desperate bid to keep afloat. Instead, they employ financial tools, many linked to informal networks and family ties. They push money into savings for reserves, squeeze money out of creditors whenever possible, run sophisticated savings clubs, and use microfinancing wherever available.
Their experiences reveal new methods to fight poverty and ways to envision the next generation of banks for the "bottom billion." Indispensable for those in development studies, economics, and microfinance, Portfolios of the Poor will appeal to anyone interested in knowing more about poverty and what can be done about it.
Contents
List of Tables vii List of Figures ix Chapter One: The Portfolios of the Poor 1 Chapter Two: The Daily Grind 28 Chapter Three: Dealing with Risk 65 Chapter Four: Building Blocks: Creating Usefully Large Sums 95 Chapter Five: The Price of Money 132 Chapter Six: Rethinking Microfinance: The Grameen II Diaries 154 Chapter Seven: Better Portfolios 174 Appendix 1: The Story behind the Portfolios 185 Appendix 2: A Selection of Portfolios 211 Acknowledgments 243 Notes 247 Bibliography 265 Index 273
