Feedback on ‘Questioning the critics: the case of BRAC and other credit programmes in Bangladesh (plus reply from Ben Rogaly)’. Drawing from the experiences of BRAC in Bangladesh, the author highlights some of the major areas of controversy around micro-credit organisations, specifically criticising points made by Ben Rogaly (in Development in Practice 6(2)). Arguing that further research is needed to determine cost-benefit ratios when providing specialised credit systems for use by specific sub-sections of society, he maintains that trade-offs occur between accountability and flexibility, and that to ignore such complexities leads to too narrow a view of micro-credit and its potential. Following on from the feedback, Ben Rogaly replies to Hasan Zaman’s comments about micro-credit organisations.
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