| ABSTRACT | 第1-8页 |
| 摘要 | 第8-16页 |
| CHAPTER-1 INTRODUCTION | 第16-29页 |
| ·BACKGROUND OF THE STUDY | 第16-20页 |
| ·STATEMENT OF THE PROBLEM | 第20-21页 |
| ·JUSTIFICATION OF THE STUDY | 第21-23页 |
| ·RESEARCH QUESTIONS | 第23页 |
| ·RESEARCH OBJECTIVES | 第23页 |
| ·GEOGRAPHICAL COVERAGE OF THIS STUDY | 第23-25页 |
| ·STRUCTURE OF THE STUDY | 第25-26页 |
| ·LIMITATIONS OF THE STUDY | 第26-27页 |
| ·CONTRIBUTION OF THE THESIS | 第27-29页 |
| CHAPTER 2 REVIEW OF LITERATURES | 第29-49页 |
| ·INTRODUCTION | 第29-31页 |
| ·Background | 第29页 |
| ·Motivation of the review | 第29页 |
| ·Objectives of the review | 第29-30页 |
| ·Methodology/approach | 第30-31页 |
| ·Limitations of the review | 第31页 |
| ·Structure of the review | 第31页 |
| ·MICROFINANCE REVIEWS | 第31-46页 |
| ·Operating Mechanism | 第31-35页 |
| ·Reaching the Poor | 第35-37页 |
| ·Impacts of Microfinance | 第37-40页 |
| ·Reviews on Women and microfinance | 第40-42页 |
| ·Microcredit and livelihood Improvement | 第42-43页 |
| ·Reviews on Sustainability, Regulation and outreach of MFIs | 第43-46页 |
| ·DISTRIBUTION OF REVIEWED JOURNAL ARTICLES | 第46-47页 |
| ·CONCLUSION | 第47-49页 |
| CHAPTER 3 METHODOLOGY | 第49-57页 |
| ·INTRODUCTION | 第49页 |
| ·SELECTION OF THE STUDY AREA | 第49-50页 |
| ·MEASURING RDA-CREDITS IMPACTS ON LIVELIHOOD | 第50-51页 |
| ·Sample Selection | 第50-51页 |
| ·SOURCES OF DATA AND DATA COLLECTION PROCEDURE | 第51-53页 |
| ·DATA ANALYSIS AND ANALYTICAL TECHNIQUE | 第53-54页 |
| ·Simple statistical technique such as percentage, mean, ratio was applied for getting meaningful results | 第53页 |
| ·OLS estimation | 第53页 |
| ·Probit Model | 第53页 |
| ·Analyzing Women Empowerment | 第53-54页 |
| ·MEASURING FINANCIAL SUSTAINABILITY | 第54-55页 |
| ·Operational Self-Sufficiency (OSS) | 第54-55页 |
| ·Financial Self-Sufficiency (FSS) | 第55页 |
| ·Return on Equity (ROE) | 第55页 |
| ·Measuring Outreach | 第55-56页 |
| ·CONCLUSION | 第56-57页 |
| CHAPTER 4 EVOLUTION OF MICROFINANCE IN BANGLADESH AND CHINA | 第57-71页 |
| ·INTRODUCTION | 第57-59页 |
| ·EVOLUTION OF MICROFINANCE SECTOR IN BANGLADESH | 第59-65页 |
| ·Action research phase during the 1970s | 第59-60页 |
| ·Micro credit development phase during the 1980s | 第60页 |
| ·Extension phase during the 1990s | 第60-62页 |
| ·Raise competition and formalization during 2000 onwards | 第62-65页 |
| ·Growth of Microfinance Sector | 第65页 |
| ·EVOLUTION OF MICROFINANCE SECTOR IN CHINA | 第65-70页 |
| ·Non-government organizations in China | 第66-67页 |
| ·Expansion Phase I (1994 – 1999): | 第67-68页 |
| ·Expansion Phase II (1999 – 2005): | 第68页 |
| ·Expansion Phase III (2005- till date): | 第68-70页 |
| ·CONCLUSION | 第70-71页 |
| CHAPTER 5 RDA-CREDIT DIFFER FROM OTHER’S MICROCREDIT IN BANGLADESH | 第71-91页 |
| ·INTRODUCTION | 第71页 |
| ·EMERGENCE OF THE SELECTED MICROFINANCE INSTITUTIONS | 第71-74页 |
| ·OPERATIONAL MECHANISM | 第74-80页 |
| ·RDA-credit Mechanism | 第74-76页 |
| ·Grameen Bank (GB) Credit Mechanism | 第76-78页 |
| ·TMSS Credit Mechanism | 第78页 |
| ·ASA Credit Mechanism | 第78-80页 |
| ·Ownership Status | 第80页 |
| ·Management and Organizational Structure of MFIs | 第80-84页 |
| ·COMPARATIVE FEATURES OF THE SELECTED MFIS IN BANGLADESH | 第84-85页 |
| ·Empirical Investigation of RDA-credit Program with Reference of GB, TMSS and ASA | 第85-89页 |
| ·Training Program of RDA-credit | 第85-86页 |
| ·Credit Based on Enterprise Need | 第86-87页 |
| ·Monitoring and Supervision | 第87-88页 |
| ·RDA-credit Supporting Services | 第88页 |
| ·Distribution of Clients | 第88-89页 |
| ·Empowerment of women | 第89页 |
| ·CONCLUSION | 第89-91页 |
| CHAPTER 6 COMPARISON BETWEEN MICROFINANCE INSTITUTIONS IN SHAANXI, CHINA AND RDA, BANGLADESH WITH GRAMEEN BANK | 第91-106页 |
| ·INTRODUCTION | 第91-92页 |
| ·METHODOLOGY | 第92页 |
| ·SYNTHESIS OF STUDIED MFIS IN CHINA | 第92-94页 |
| ·DISCUSSION | 第94-104页 |
| ·Operational Mechanism | 第94-96页 |
| ·XMC and DHMC Credit Mechanism in China | 第96-98页 |
| ·Outreach | 第98-100页 |
| ·Financial sustainability | 第100-101页 |
| ·Trends of annual earnings, operating cost and profit | 第101-103页 |
| ·Regularity Status | 第103页 |
| ·Product of RDA, GB, XMC and DHMC | 第103-104页 |
| ·Problems address by MFIs and their clients | 第104页 |
| ·CONCLUSION | 第104-106页 |
| CHAPTER 7 IMPACT ON LIVELIHOOD IMPROVEMENT OF RDA-CREDIT PROGRAM IN RURAL BANGLADESH | 第106-121页 |
| ·INTRODUCTION | 第106-107页 |
| ·METHODOLOGY | 第107页 |
| ·RESULT AND FINDING DISCUSSION | 第107-119页 |
| ·Impact of RDA-credit on some socio-economic variables | 第108-110页 |
| ·Impact on household expenditure patterns | 第110-111页 |
| ·Impact on income | 第111-112页 |
| ·RDA-credit impact on women’s decision making process | 第112-113页 |
| ·RDA-credit impact on the enterprises and employment | 第113页 |
| ·RDA-credit impact on assets | 第113-114页 |
| ·RDA-credit impact on Agricultural Sector | 第114-115页 |
| ·RDA-credit impact on better health related affairs | 第115-116页 |
| ·Trends in attending education status and operating expense as compared to last school year | 第116页 |
| ·Impact on Housing Improvements | 第116-117页 |
| ·RDA-credit impact through diet | 第117-118页 |
| ·Probit model estimation on participating RDA-credit program | 第118-119页 |
| ·CONCLUSION | 第119-121页 |
| CHAPTER 8 CLIENTS' AND NON-CLIENTS’ EXPERIENCE WITH THE RDA-CREDIT PROGRAM | 第121-131页 |
| ·Comments on Financial Facilities | 第121-122页 |
| ·Clients Told Some Specific Positive Answer about the Group Loan of RDA | 第122页 |
| ·Three Like and Dislikes Client’s Comments about the RDA-credit Program | 第122-124页 |
| ·The RDA-credit program's strengths according to observation of Non-clients | 第124-125页 |
| ·Description of clients experience about IGAs with the program | 第125页 |
| ·Conditions on Dropping-Out of the Program | 第125-126页 |
| ·FINDINGS OF PROCEEDINGS IN FOCUS GROUPS | 第126-129页 |
| ·Procedures before disbursement of credit and renewal system | 第126-127页 |
| ·Repayment process | 第127-128页 |
| ·Interests | 第128页 |
| ·Relations with loan officers | 第128页 |
| ·Solidarity Groups | 第128-129页 |
| ·Clients' and non-client’s Suggestions | 第129-130页 |
| ·CONCLUSION | 第130-131页 |
| CHAPTER 9 CROSS COUNTRY LEARNING | 第131-139页 |
| ·INTRODUCTION | 第131页 |
| ·SUCCESS OF STUDIED MFIS IN BANGLADESH AND CHINA | 第131-136页 |
| ·Microfinance Approach | 第131-132页 |
| ·Product innovation and Development | 第132页 |
| ·Saving products | 第132-133页 |
| ·Collateral free lending | 第133页 |
| ·Poor are Bankable | 第133页 |
| ·Group responsible | 第133页 |
| ·Educative and supervised Credit | 第133-134页 |
| ·Decentralized Management system | 第134页 |
| ·Friendly Relation between Clients and officials | 第134页 |
| ·Encouraging policy setting | 第134页 |
| ·Welfare impacts of microcredit program | 第134页 |
| ·Regulatory Environment | 第134-135页 |
| ·Financial sustainability | 第135页 |
| ·Non-financial services | 第135页 |
| ·Technical Assistance and Support service | 第135-136页 |
| ·CROSS COUNTRY LEARNING | 第136-138页 |
| ·CONCLUSION | 第138-139页 |
| CHAPTER 10 SUMMARY AND CONCLUSION | 第139-151页 |
| ·INTRODUCTION | 第139页 |
| ·OVERALL SUMMARY | 第139-148页 |
| ·CONCLUSIONS AND POLICY APPROACH | 第148-151页 |
| REFERENCES | 第151-167页 |
| APPENDIX | 第167-190页 |
| ACKKNOWLEDGEMENT | 第190-192页 |
| ABOUT THE AUTHOR | 第192页 |
