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Tables of Contents for The Bangladesh Rural Advancement Committee's Credit Programs
Chapter/Section Title
Page #
Page Count
Foreword
v
1
Acknowledgments
vi
1
Abstract
vii
2
Executive Summary
ix
 
Chapter 1 Rural development and the emergence of the Bangladesh Rural Advancement Committee as a development organization
1
8
Overview of report
4
5
Chapter 2 What is the BRAC?
9
14
The BRAC'S development strategy
10
2
The BRAC's operational model
12
3
The BRAC's credit delivery model
15
2
The BRAC's approach to financial intermediation
17
1
The BRAC's social development model
18
5
Chapter 3 Organization, funding, and beneficiaries
23
14
Administrative structure and organizational expansion
23
1
Employee expansion
24
1
Village organization, membership growth, and gender coverage
25
1
Financing BRAC activities: sources of funds
26
1
Savings mobilization
27
2
Lending and portfolio mix
29
3
Achievement of social development programs
32
1
BRAC's support to sectoral development
33
4
Chapter 4 Sustainability and subsidy
37
14
A concept of program sustainability
38
2
Institutional development
40
1
Financial and economic viability
41
3
Borrowers' viability
44
1
Economic viability of the BRAC: subsidy dependence
45
6
Chapter 5 Institutional viability
51
12
Leadership, decentralization, monitoring, and evaluation
52
2
Management style: staff training, incentives and performance
54
3
Managers' pay: determinants and returns to education and experience
57
2
What determines the BRAC program placements?
59
4
Chapter 6 Financial and economic viability
63
16
Analysis of program level viability
63
1
Assets and financial structure
64
2
Revenue and cost structure
66
4
Financial margin, interest rate policy and profitability
70
2
Subsidy dependence
72
3
Are BRAC credit and development programs cost-effective?
75
4
Chapter 7 Borrowers' viability
79
8
Group viability: BRAC members' drop-out behavior
79
3
Determinants of loan-repayment behavior
82
2
The impact of BRAC on rural wages
84
1
Subsidy and savings per member
85
2
Chapter 8 Conclusions and policy implications
87
8
The BRAC's achievements
88
3
The BRAC's potential
91
1
The BRAC's constraints
92
3
Tables
95
44
Appendix A: The seventeen promises
139
2
Appendix B: Financial sustainability of the RDP
141
6
Bibliography
147