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Financial Viability of the Grameen Bank Model in South Africa

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  • Gizelle Willows
  • James McWha

    (University of Cape Town)

Abstract

This article discusses the practicality of adopting the Grameen Bank model as a tool to combat poverty in South Africa. The analysis reveals that a group-based lending approach, a collateral free system and highly motivated staff are some of the contributing success factors of the model. The practicality in a South African context found several similarities with the spirit of Ubuntu and the practices of stokvels and a financial analysis of Grameen Bank in Bangladesh against Capitec Bank and FirstRand Bank reveals Grameen Bank’s ability to operate within standard performance ranges, suggesting financially viability within South Africa.

Suggested Citation

  • Gizelle Willows & James McWha, 2019. "Financial Viability of the Grameen Bank Model in South Africa," Africagrowth Agenda, Africagrowth Institute, vol. 16(1), pages 20-21.
    • Handle: RePEc:afj:journ2:v:16:y:2019:i:1:p:20-21
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