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Research proposal on poverty eradication
Importance of poverty eradication
Importance of poverty eradication
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Banker to the Poor, the autobiography of Muhammad Yunus, explains the journey of a man out to battle poverty. The story highlights the Grameen bank program, which was founded in Bangladesh by Yunus. The program was formed to provide small loans to the poor to help them get out of debt and achieve a sustainable life. Yunus helped the poor help themselves through micro-lending or small aid. It started with Yunus, twenty-seven dollars, and forty-two women. All forty-two of these women were in never-ending debt. This viscous cycle prevented them from living a full life. Yunus, aware of their reoccurring issues, handed them enough money to get out of debt which happened to be only twenty-seven dollars. The women put the money to good use and established businesses of their own. They could finally afford enough raw materials to get back on their feet and progress in life. This success led to the development of Yunus’ theories, and steered the path to the Grameen bank program.
Yunus is a trailblazer of the micro-lending or microcredit concept. He argues that credit is a human right that e...
Through the use of statistics, expert testimony, appeals to emotions, and a few comparisons, Scurlock tries to convey his message saying that because the lending industry’s main concern is maximizing profits, they have made it impossible to not have a credit card and avoid being taken advantage of. He accomplishes his goal of clearly relaying his argument to the audience with the high amount of credible support he provides.
Ehrenreich, B. (2001). Nickle and dimed: on (not) getting by in america. New York, NY: Owl Books Henry Holt and Company, LLC.
In the Working Poor, David Shipler shows the different levels of poverty in the United States. Although many people work every day they still do not have enough money to live their lives comfortably or contently. In chapter 1, Money and Its Opposite, discuss the different people that worked hard their entire lives only to remain in or below the poverty line. For instance, in the book Shipler speaks of the disadvantages that the working poor are susceptible to. Often being taken advantage of from employers that do not give accesses that they are entitled to, the working poor are more likely to be audit than the wealthy, and become victims of cons that point toward money for a small payment, first. The many that live in poverty often overspend.
In The Working Poor: Invisible in America, David K. Shipler describes about the lives of United States citizens who live within poverty. He highlights the U.S.’s disregard for its working poor, the nature of poverty, and the causes of poverty faced by low-wage earners. Shipler performs an amazing job with describing the factors that play their parts into the lives of U.S. citizens who live are poor and within poverty.
In Peter Singer’s Famine, Affluence, and Morality, he critiques the way in which modern societies have grown accustomed to their ordinary thoughts about famine, affluence, and morality in general. Singer describes a situation in which nine million refugees from East Bengal are living in poverty, and it is the responsibility of the wealthy, and better-off nations to take immediate and long term action to provide for them and to end poverty overall. (Singer, 873) Through his essay, Singer envisions a new world where giving to those in need is no longer seen as charity, but rather a moral duty. He states that in the world we currently live in, it is seen as generous and partaking in a good deed when you donate money to charity, and no one is blamed for not (876). Singer proposes that excess money should be given to those in need, rather than spending it in “selfish and unnecessary” ways (876).
All operating costs for the foundations are covered out of corporate profits, so 100% of public contributions to the causes can be dedicated directly to the support of programs and initiatives. The Whole Planet Foundation partners with microfinance institutions to award over $60 million in grants to support development of 116 products in 61 countries from which the company sources products. Microfinance institutions issue microcredit, which was developed by Professor Muhammad Yunus, co-recipient of the 2006 Nobel Peace Prize. It provides low-income individuals access to credit without requiring a contract or collateral. Grant recipients use microcredit to create or expand their home-based business, “enabling them to lift themselves out of poverty.” Whole Planet grants are funded by the sale of Whole Trade Guarantee Program products, as well as contributions from customers, suppliers, and team members. Since the foundation’s inception, over 800,000 borrower families have received loans, with 89% of those families headed by women. Whole Foods estimates that each female head of household loan recipient supports a family of more than five, which means more than 4.2 million individuals have been made more prosperous by the support and contributions of the
The 2008 film Slumdog Millionaire centers on Jamal Malik’s incredible million dollar run in the Indian version of the game show Who Wants to be a Millionaire? Despite his lack of formal education Jamal, a “slumdog” hailing from the impoverished streets of Mumbai, is able to answer each of the difficult questions posed to him during the game show. With only a single question away from winning 20 million rupees the show breaks for the evening and Jamal is arrested by the local police on suspicions of cheating. He is interrogated and, through the course of the interrogation, flashbacks detail the events in his life that explain how he has come to know the answers to the questions asked of him. Through the flashbacks, the main characters that play substantial roles in Jamal’s life are introduced; most importantly, his older brother Salim, his life-long love Latika, and Maman, a criminal that fools the children into believing him a father-figure and saving grace. The film follows Jamal, Salim, and Latika from their early childhood to their early teens and, finally, into their late tee...
Greed can lead to many different situations, experiencing times of hardship, consequences, but a major consequence is poverty which is not realized through
Most intriguing in Geoffrey Parker’s Global Crisis - is his discussion of Amartya Sen’s “Poverty and Famines.” Succinctly summarized, Sen argues that “famines arise more often from distribution problem[s] caused by human agency than from supply problems caused by nature.” Whether or not the relationship between ‘starvation’ and human action is accurate, the argument is embedded in the hearts of many, driving widespread perceptions of hierarchal conspiracy. But what truths are there in this conspiratorial perception of power? What action does it motivate and what inner peace does it engender?
Credit card debt, can be easy to get into, but yet can take years to get out of. Credit card usage has become an increasing occurence in the 21st century for any person above the age of seventeen. Carrying cash has become uncommon for the average man or woman and unlike cash where someone is limited to only what they have in their wallet, credit cards can have upwards to thousands of dollars on them. Granted, there are great things about owning a credit card. For example, in case of an emergency and there is not enough cash to cover the expense, a credit card can be a great back up plan. However, with all the positives there are negatives, the biggest one being, a person can wind up in debt. Thus, credit debt is an individual’s fault, derived
Next, Herbert J. Gans’ essay, “The Uses of Poverty: The Poor Pay All”, is extremely important in the analysis of the frontline documentary. Gans has a bit of a different approach on poverty and the poor. For example, he says, “Today, poverty is more maligned than the political machine ever was; yet it, too, is a persistent social phenomenon.” Basically, he argues that the poor are a very important part in society. He goes on to explain different functions of poverty. First, he states that the existence of poverty ensures that society’s dirty work will be done. Society in some ways forces the poor to do these jobs because they almost always don’t have the choice, and they make them do these at low wages. This was one of the hard things
Although Yunus is an economist by profession and his microfinance project does sound as an economic move, nevertheless the scope of it is much wider than targeting finances alone. He has a long term vision to eliminate poverty around the world and provide a better quality of life for those who are less fortunate and deprived of some secure financial background. Since he feels like every person on this planet has an equal right to get a chance to improve her/his life, nevertheless her/his background, we could say that his vision goes far beyond providing the loans – he strives to
Microcredit can be defined as small loans, or microloans, for people around the world in extreme poverty to help spur entrepreneurship. The issue of microcredit is extremely important in the world’s economy. Poverty alleviation and economic development are the primary goals of microcredit programs, that is why they began in the developing countries of Asia and Latin America, economist Muhammad Yunus and his Grameen Bank in Bangladesh are credited of pioneering this financial innovation (Smith, Thurman, 2007). After acquiring a loan, impoverished people get involved in self-employment projects that help them to start a business and begin generating income and in many cases leave poverty. Microcredit offers loans to poor people without requesting any financial history from them. These loans help to improve the quality of life of individuals and communities through commitment. In recent years, the idea of giving small loans to poor people became the darling of the development world, giving a way to propel even the poorest people into better lives (Jolis, 2011).
In rural Nigeria, up to 80% of the population (as compared to 70% of Nigeria as a whole3) live below the poverty line, despite their fast-growing agricultural economy4. According to Nigerian author Anthony Maduagwu, it is in places such as these where we can find the solution to Nigeria's economic predicament. In his article “Alleviating poverty in Nigeria”, he says, “only the poor understands poverty and it is also the poor that know how their poverty could be alleviated... the fact is that the poor usually have quite good perceptions of their own needs and goals and of what would be required to satisfy and make progress toward them”5. He made the case that while government-funded “poverty alleviating programmes” help poverty rates in one place, the create poverty in another6. This is supported b...
The introduction of the credit card first came around while the economy was booming in the early 1950’s. American consumers were in buy mode and the credit card was a genius idea to let people buy now and pay later. At first look this idea seemed great but what looks and sounds great does not always mean that it is going to be great overall. Over the years credit agencies have released thousands of credit cards with several questionable polices and high interest rates. “Any given American family in the present day possesses an average of eight credit cards with about 15,000 dollars of debt”(Canner 8). Many consumers have become addicted to wasteful cyclic consumption and living beyond their income due to the ownership of credit cards. The invention and continued implementation of credit cards into the American economic and social systems appears to be the cause of the struggling economy, the weakened U.S. dollar, the sky rocketing prices of gas and grocery store goods, the all-time highs of American debt, and social deprivation in some regions.