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[翻译字幕]Economics Report - Microsavings Could Mean Big Gains for the World’s Poor

来源:慢速英语   时间:2011-11-18 09:08:58

经济报道 - 小额储蓄大收益

This is the VOA Special English Economics Report.


When it comes to savings, no amount is too small. Microsaving is a growing part of the international movement of microfinance. The aim is to bring financial services to poor people.


Modern microfinance started with Nobel Prize-winning economist Muhammad Yunus in Bangladesh. In the nineteen seventies, he started small loan programs that would become the Grameen Bank. Currently, microcredit providers are in over one hundred countries.

诺贝尔奖得主,孟加拉国经济学家穆罕默德·尤努斯(Muhammad Yunus)开创了现代小额信贷。20世纪70年代,他启动了后来成为格莱珉银行的小额贷款项目。现在小额信贷机构遍布上百个国家。

Now, microfinance institutions are starting to offer other services, including savings plans.


Recently, the non-profit group Small Enterprise Education and Promotion held a conference in Washington. SEEP works with over one hundred twenty groups around the world in efforts to cut poverty. It does this by supporting small businesses.


The goal is help microfinance industry experts share ideas. One idea is called Financial Access at Birth, or FAB. It is designed to start each person with a financial citizenship at birth through a savings account connected to a bank deposit.


Rosita Najmi is FAB's program director.

罗西塔·纳吉米(Rosita Najmi)是FAB项目总监。

ROSITA NAJMI: "FAB starts with financial inclusion, but it creates other opportunities of inclusion across other sectors of health or education and I think that's what the international development community needs and seeks at this time."


Mobile or wireless technology will be important to many microfinance services. One meeting at the SEEP conference examined a mobile phone application for saving money. Debbie Dean of the Grameen Foundation says these efforts can also be extended to other financial services.

移动和无线技术对许多小额信贷服务来说将非常重要。“小企业培训与推广”会议的一次会谈审查了一个储蓄手机应用程序。格莱珉基金会的黛比·迪安(Debbie Dean)表示,这些成果也可以推广到其它金融服务。

DEBBIE DEAN: "It's probably going to be a combination of savings programs and money transfer programs, payment systems that all kind of converge together to be able to provide the customer with the most flexibility and the most convenience to meet their needs."


But offering savings, payments and other services requires more training and controls. Rashid Bajwa leads Pakistan’s largest microfinance organization. He says more training is needed.

但提供储蓄、支付和其它服务需要更多培训和监督。拉希德·巴吉瓦(Rashid Bajwa)负责巴基斯坦最大的小额信贷组织。他表示这需要更多的培训。

RASHID BAJWA: "When microfinance institutions start offering savings, then they have to be trained to do that. This is a specialization which needs specialized people to adopt. You have to have a risk management system in place, you have to have an internal audit system in place, you have to have a huge set of new things which you generally don't need when you are just doing microcredit."


Small savings deposits add up. And interest over time makes them grow. This can have a surprising effect for savers and societies.


Rashid Bajwa puts it this way. He says the amount of money that poor people have is unimaginable.


And that's the Economics Report in VOA Special English. And I'm Mario Ritter.

Based on a Money in Motion report by Phil Alexiou