بنك الفقراء و امكانية الاستفادة من تجربته في العراق

الملخص EN

This study deals with the experience of the Bank of the Poor in Bangladesh, which is one of the outstanding experiences that turned the balance of development upside down and provided a model for economic and social development through direct impact on poverty at the national level, especially among women through the micro-credit system that helps them to establish small enterprises Giving them a reasonable income.

The problem of research is that Iraq is experiencing a social crisis that is growing at a high rate, namely, the poverty and unemployment crisis.

Poverty rates reach 23% of the population below the poverty level, while unemployment rates reach 15% , especially among youth and women.

The problem is compounded by the reluctance of traditional banking institutions in Iraq to help them because they do not have adequate financial guarantees and to put in place impossible conditions and financial guarantees that they can not provide.

The research aims at identifying the Grameen Bank (Bank of the Poor) and the most important features and objectives it has as a unique banking institution, How Grameen Bank works, what lessons learned from Grameen's experience and how they can be applied in Iraq.

Therefore, the researcher followed the inductive and deductive method to prove his hypothesis and in order to reach his goals the inductive and deductive approach is based on historical studies and data.

The results of the study are to benefit from the experience of Grameen not only to provide loans to the poor, but all segments of society that can get financial services from conventional banks either to the small size of the amount required by those segments or the lack of adequate guarantees to them.

The main recommendations of the research are that the experience of Grameen should not necessarily be applied in the same way and in the same administrative structure.

Iraq is different in its local circumstances and the economic and social conditions of Bangladesh.

In addition, there is no legal and administrative legislation in Iraq that encourages the provision of banking services to the poor.

The experience of the Bank of the Poor in creating a model similar to its basic characteristics is compatible with the structure of Iraqi society and its institutions.