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NGOs, Micro-finance and Poverty Alleviation: Experience of the Rural Poor in Pakistan [with Comments]

Khalid Mustafa, Zulfiqar Ahmad Gill, Toseef Azid and Naheed Zia Khan
The Pakistan Development Review
Vol. 39, No. 4, Papers and Proceedings PART II Sixteenth Annual General Meeting and Conference of the Pakistan Society of Development Economists Islamabad, January 22-24, 2001 (Winter 2000), pp. 771-792
Stable URL: http://www.jstor.org/stable/41260297
Page Count: 22
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Since scans are not currently available to screen readers, please contact JSTOR User Support for access. We'll provide a PDF copy for your screen reader.
NGOs, Micro-finance and Poverty Alleviation: Experience of the Rural Poor in Pakistan [with Comments]
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Abstract

NGOs are civil society initiatives organised to process the need of change in human development endeavours. Although there has been impressive growth in the number of NGOs in recent decades, yet their role in the provision of micro-finance in Pakistan is generally questioned. The paper seeks to demonstrate that with a few notable exceptions, the record of NGOs in micro-finance is a poor one. When judged by the two criteria of success that much of the micro-finance world has adopted—outreach to the poor and financial stability—the result are disappointing. NGOs have thus far had trouble achieving both at once—outreach or sustainability generally suffers. There has also been little evidence of any aggregate impact on poverty reduction as a result of NGOs' micro-finance efforts, particularly for the rural poor in Pakistan.

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