Development Dossier



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Lennart Arfwidsson

Rotary International


1560 Sherman Avenue

Evanston IL 60201 , USA


Tel:+1-708/866 3229; Fax:+1-708/866 9732

Small Farmers, Producers, and Microentrepreneurs Caucus

I bring greetings to you from the two million women borrowers of Grameen Bank in Bangladesh. They wish you to know that they are fortunate to have Grameen Bank to support them. With tiny loans averaging slightly over $100, one‑third of them have already crossed the poverty line with their own efforts and talents.


The remaining two‑third will cross the poverty‑line within the next five years. All of the Grameen families have increased their family income rapidly, birth rate has declined in these families, nutrition level has significantly increased; over 300,000 of them have built decent houses with Grameen housing loans, installed hand tubewells for pure drinking water, and set up sanitary latrines ‑‑‑all with Grameen Bank loans.
Grameen Bank started out in 1976, by giving out US$30 to 42 people. Eighteen years later, Grameen disbursed US$385 million in 1994 alone. Projected disbursement in 1995 exceeds half a billion US dollars.
Grameen borrowers have demonstrated how good the poor are in paying back bank loans. They deserve to be rated as top‑class clients by any banking standard. But the conventional banks still do not consider the poor as credit‑worthy. Will it be wrong now to say that the conventional banks are not poeple‑worthy?

If this Social Summit is taking the challenge of poverty‑alleviation seriously, then the task would be to create people‑worthy banks, both in the poor and the rich countries, to establish credit as a human right.


Many among us talk about poverty alleviation but do not really believe that poverty alleviation is a feasible proposition. Seeing what is happening among Grameen borrowers, non‑believers will easily turn into firm believers. I am totally convinced that the poverty alleviation is very much

a do‑able proposition. If we can create a global commitment, we can definitively create a poverty‑free world within the next fifty years.


The poor are completely capable of changing their own lives with their own efforts, provided barriers which are put around them by the existing system are removed. All people are endowed with incredible potentials. But, for the poor and the small producers these potentials remain unexplored.If the bottom fifty percent of the world population, i.e., the poor and the small producers, are allowed to bring out their productivity, ingenuity, and creativity ‑‑ the world will be a better place for all.
In the name of "development", we have invested large sums of money over the past few decades. But they hardly touched the lives of the bottom fifty percent of our people.In this Social Summit, let us all agree that we shall not accept any investment as development expenditure unless it touches the lives of the bottom fifty percent of the people.

I urge the taxpayers in the donor countries to make sure that their money directly benefits the bottom fifty percent in the recipient countries. Poverty has not been created by the poor. It is created by the institutions and policies we have built around us. Unless these are redesigned, and alternative institutions and policies are made, poverty will continue to flourish.


My country, Bangladesh, has received US$27 billion in foreign assistance over the last 23 years. But you don't see the imprint of this money on the faces of the poor. Where did all this money go? Research findings tell us: 75 percent of their money was spent in donor countries to pay for commodities, equipment, consultants, experts, and contractors. The remaining 25 percent spent in Bangladesh went to local contractors, local suppliers, local consultants, and bureaucracy. What did the bottom fifty per cent get out of it? I am sure you can guess. Of course, everything was justified in the name of the poor people.
The policies you endorse here must empower ‑‑ not ignore ‑‑ the bottom people, the poor and the small producers, who are the engines of sustainable economic progress and stakeholders in the civil society. The poor and the small producers are not asking for charity or handouts. They are asking for the same opportunities as enjoyed by other segments of the society.
Let us put our faith in the capabilities of individual human beings. Let us accept the fact each human being is capable of ensuring his/her human dignity if we only create the supportive environment.Let us commit ourselves to creating a poverty‑free world in the next fifty years. Let us promise that we shall not let a single family on this planet suffer from the disgrace of poverty.

Professor Muhammad Yunus

Grameen Bank,

Mirpur Two, Dhaka 1216 Bangladesh

Soroptimist International

Education for Women: Key to Progress is the focus of Soroptimist International's awareness, advocacy and action leading up to the Fourth World Conference on Women in Beijing in 1995.

One of the priorities of the World Summit for Social Development must be the concept of ensuring education of girls and women in all parts of the world.
An economic, political, social, cultural and legal environment must be created to enable all people to achieve economic, and social development. Governments, as well as public and private sectors, must co‑operate fully in strategies to achieve this goal, which can only benefit all of society.
Soroptimist International believes that particular attention should be paid to the needs and education of girls and women, who continue to maintain the greatest share of family and household responsibilities. Their education, whether in domestic‑based activity or outside the home, is the only key to progress and therefore the best investment.
Soroptimist International believes that improved education of girls and women is the best way to eradicate poverty, expand productive employment, accelerate development of the economic, social and human resources of countries experiencing the greatest hardships, and achieve social

integration.


The fundamental issues Soroptimist International fully supports are education of girls and women, primary health‑care programmes and family planning, vocational training, equal employment opportunities, programmes designed to prepare them to fully participate in economic and social development.
Educational commitments should include the establishment of long‑range, workable solutions that prioritize human needs such as:
‑ prevention of rapid population growth

‑ family planning and primary health‑care programmes

‑ better education and training of women and girls

‑ improved employment opportunities



‑ income‑generating vocational training programmes for women and girls
Girls and women should have universal access to basic education and literacy and equal access to higher education, the only way to ensure the mitigation of existing social inequalities Equality and equity between men and women should be achieved through education. Training programmes and life‑long learning supports, as well as appropriate financial support, must be made available to girls and women on the same basis as to men.
Educating girls and women to be full partners must include service in public life at all levels and in all sectors. Women must be in decision making positions in political affairs and in government service in order to participate fully in decisions and initiatives which determine the course of economic and social affairs.
Soroptimist International urges the World Summit for Social Development to take specific measures to ensure that education and training for girls and women is part of the Declaration and Programme of Action, and included in the Platform of Action of the IVth World Conference for Women in Beijing, in September 1995.



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