於吉里巴斯設立微型銀行之商業企畫書

The purpose of this project is to create a social business plan for a Kiribati microfinance organisation, Te Kauki Bangke. The plan is modelled on the Bangladeshi Grameen model proposed by Yunus Muhammad. The rationale for the research stems from the need to provide microfinance services to the unbankable populace in Kiribati. The research approach involved a critical analysis of the secondary sources of literature. The qualitative phenomonology is applied as the researcher has relevant work experience in the Kiribati financial sector. The critical analysis infers that the philosophy of the Grameen model has relevance in the Kiribati context. A review of existing financial institutions showed that most financial businesses have outdated business plans or simply have no business plan from inception. The vision is to provide social, political and financial growth for the unbankble, low-income people, particularly the vulnerable women. The management and organisation can still be the responsibility of women in the social political setting. The financial resources of Kiribati microfinance may be provided as soft loans from the Kiribati government and other public financial institutions, including the Kiribati National Provident Fund. The lending criteria of the microfinance will not require the need for collateral and a security. The study proposed that a pilot project in microfinance is established in the Tarawa urban area with a view to decentralise the business activity to the rest of the country.

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