Pioneer of Microfinance - Dr. Akhtar Hameed Khan

[Nasim-5]

"Remembering Dr. Akhtar Hameed Khan" (October 09, 2009)

By

Nasim Yousaf

Independent Scholar & Author

Article is available on the following website:

http://akhtar-hameed-khan.8m.com

***

"Resonant Leaders Leveraging Community and Country Sustained, Desired Change: The Case of the Amazing Dr. Akhtar Hameed Khan"

By
Richard E. Boyatzis, PhD

Professor in Departments of Organizational Behavior, Psychology, and Cognitive Science,

Case Western Reserve University, Cleveland, OH, USA

and  

Masud Khawaja,
MD Doctoral Student

http://worldbenefit.case.edu/global-forum/forum/documents/BoyatzisKhawaja.pdf

[Richard Meyer]

Can you clarify?  I understand that Dr. Khan is being suggested as
the pioneer of microcredit.  Isn't it the case that the Camilla style
cooperatives were discontinued in Bangladesh as they were unsustainable?  Dick


At 10:37 PM 11/2/2009, you wrote:

>"Remembering Dr. Akhtar Hameed Khan" (October 09, 2009)
>
>By
>
>Nasim Yousaf
>
>Independent Scholar & Author
>
>Article is available on the following website:
>
>http://akhtar-hameed-khan.8m.com
>
>***
>
>"Resonant Leaders Leveraging Community and Country Sustained,
>Desired Change: The Case of the Amazing Dr. Akhtar Hameed Khan"
>
>By
>Richard E. Boyatzis, PhD
>
>Professor in Departments of Organizational Behavior, Psychology, and
>Cognitive Science,
>
>Case Western Reserve University, Cleveland, OH, USA
>
>and
>
>Masud Khawaja,
>MD Doctoral Student
>
>http://worldbenefit.case.edu/global-forum/forum/documents/BoyatzisKhawaja.pdf
>
>
>
>------------------------------------
>
>WARNING! If you hit REPLY, your message will go to the entire
>listserve, not just the original author!Yahoo! Groups Links
>
>
>

[Nasim-5]

For more information on Dr. Akhtar
Hameed Khan and his contributions, please visit following websites:



http://www.akhtar-hameed-khan.8m.com

 

Akhtar Hameed Khan Resource
Center

http://www.irm.edu.pk/ahkrc-new

http://www.irm.edu.pk/ahkrc-new/briefing.htm



--- On Tue, 11/3/09, Richard Meyer <meyer.19@...> wrote:

From: Richard Meyer <meyer.19@...>
Subject: Re: [MFP] Pioneer of Microfinance - Dr. Akhtar Hameed Khan
To: MicrofinancePractice@...
Date: Tuesday, November 3, 2009, 5:41 PM






 




   
                  Can you clarify?  I understand that Dr. Khan is being suggested as

the pioneer of microcredit.  Isn't it the case that the Camilla style

cooperatives were discontinued in Bangladesh as they were unsustainable?  Dick



At 10:37 PM 11/2/2009, you wrote:

>"Remembering Dr. Akhtar Hameed Khan" (October 09, 2009)

>

>By

>

>Nasim Yousaf

>

>Independent Scholar & Author

>

>Article is available on the following website:

>

>http://akhtar- hameed-khan. 8m.com

>

>***

>

>"Resonant Leaders Leveraging Community and Country Sustained,

>Desired Change: The Case of the Amazing Dr. Akhtar Hameed Khan"

>

>By

>Richard E. Boyatzis, PhD

>

>Professor in Departments of Organizational Behavior, Psychology, and

>Cognitive Science,

>

>Case Western Reserve University, Cleveland, OH, USA

>

>and

>

>Masud Khawaja,

>MD Doctoral Student

>

>http://worldbenefit .case.edu/ global-forum/ forum/documents/ BoyatzisKhawaja. pdf

>

>

>

>----------- --------- --------- -------

>

>WARNING! If you hit REPLY, your message will go to the entire

>listserve, not just the original author!Yahoo! Groups Links

>

>

>


 

     

   
   
       
         
       
       








       


       
       


     

[Non-text portions of this message have been removed]

[Greg Chen]

Dick,

I haven't read these new pieces but we have touched a  wonderful subject area worthy of much more exploration. Failure can be the  best teacher as the writings of dr khan himself suggests. He wrote about what he learned, always questioning and rarely touting acheivements. Some say microcredit in baangladesh learned from these lessons of the 60s towards building new organizations in the 70s and 80s.

At comilla dr kahn worked with dick patten who later went on to advise BRI in its reformation. Dr khan called Patten he best field organizer he had ever seen.

Dr khan went on to karachi, a refugee for the second time, and started the orangi pilot project. Largely an urban infrastructure effort in one neighborhood, it was also the first to offer modern style microcredit in pakistan. Dr khans  disciple shoaib sultan khan went on to found akrsp and nrsp. Both of these organizations have transitioned towards microfinance banks. Nrsp is the largest microcredit provider in pakistan.

Were he alive today I am sure he would talk mostly about the learnings from this lineage and how much more all of us need to discover about development.

Greg




------------------------------------

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[Richard Meyer]

Thank you very much.  Can you inform me if the Comilla modlel still
exists, and was adopted and used as the current cooperative model
throughout Bangladesh?  Dick

  At 10:54 PM 11/3/2009, you wrote:

>For more information on Dr. Akhtar
>Hameed Khan and his contributions, please visit following websites:
>
>
>
>http://www.akhtar-hameed-khan.8m.com
>
>
>
>Akhtar Hameed Khan Resource
>Center
>
>http://www.irm.edu.pk/ahkrc-new
>
>http://www.irm.edu.pk/ahkrc-new/briefing.htm
>
>
>
>--- On Tue, 11/3/09, Richard Meyer <meyer.19@...> wrote:
>
>From: Richard Meyer <meyer.19@...>
>Subject: Re: [MFP] Pioneer of Microfinance - Dr. Akhtar Hameed Khan
>To: MicrofinancePractice@...
>Date: Tuesday, November 3, 2009, 5:41 PM
>
>
>
>
>
>
>
>
>
>
>
>
>                   Can you clarify?  I understand that Dr. Khan is
> being suggested as
>
>the pioneer of microcredit.  Isn't it the case that the Camilla style
>
>cooperatives were discontinued in Bangladesh as they were unsustainable?  Dick
>
>
>
>At 10:37 PM 11/2/2009, you wrote:
>
> >"Remembering Dr. Akhtar Hameed Khan" (October 09, 2009)
>
> >
>
> >By
>
> >
>
> >Nasim Yousaf
>
> >
>
> >Independent Scholar & Author
>
> >
>
> >Article is available on the following website:
>
> >
>
> >http://akhtar- hameed-khan. 8m.com
>
> >
>
> >***
>
> >
>
> >"Resonant Leaders Leveraging Community and Country Sustained,
>
> >Desired Change: The Case of the Amazing Dr. Akhtar Hameed Khan"
>
> >
>
> >By
>
> >Richard E. Boyatzis, PhD
>
> >
>
> >Professor in Departments of Organizational Behavior, Psychology, and
>
> >Cognitive Science,
>
> >
>
> >Case Western Reserve University, Cleveland, OH, USA
>
> >
>
> >and
>
> >
>
> >Masud Khawaja,
>
> >MD Doctoral Student
>
> >
>
> >http://worldbenefit .case.edu/ global-forum/ forum/documents/
> BoyatzisKhawaja. pdf
>
> >
>
> >
>
> >
>
> >----------- --------- --------- -------
>
> >
>
> >WARNING! If you hit REPLY, your message will go to the entire
>
> >listserve, not just the original author!Yahoo! Groups Links
>
> >
>
> >
>
> >
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>[Non-text portions of this message have been removed]
>
>
>
>------------------------------------
>
>WARNING! If you hit REPLY, your message will go to the entire
>listserve, not just the original author!Yahoo! Groups Links
>
>
>

[Richard Meyer]

Greg:  Thanks for the info.  I had no idea of the Kahn and Patten
connection.  I knew that Patten has been recognized as being
important in designing the credit models that transformed BRI in
Indonesia after 1983.

The question of who deserves the title of pioneer is probably quite
complex.  I recall reading Robinson's report of the small private
bank Bank Dagong Bali in Indonesia making micro loans beginning in
1970 long before the BRI positive experience.  Some would argue that
the charitable groups in Ireland making interest free loans in the
1700s and the Raiffeisen rural savings and credit operations in the
mid-1800s in Germany deserve credit for making the earliest small
scale loans.  Would be interesting to know how much Yunus and Khan
may have learned from studying those experiences.

I think we may want to focus on sustainable institutions since
creating a sustainable long term institution is more complicated than
creating a pilot project that works for a while but then collapses
even if valuable lessons are learned from its failure.  Using that
criteria, it would seem that Grameen and Yunus deserve the spotlight
along with the founders of BRAC and ASA in Bangladesh, Pancho Otero
who created Prodem in Bolivia in 1986, and John Hatch who created the
first village banks in Latin America in 1984.  I believe it is true
that all these examples have undergone considerable changes over time
due to their own experiences and learning from the industry's
successes and failures.

How should we factor in the role of external subsidies that many
institutions received compared to those that were largely started
with and became viable using only their own savings?  Many of the
persons and institutions often suggested as pioneers were dependent
on huge subsidies for a long time before becoming
self-sufficient.  Yunus and Grameen fall into that category and so do
many others. Organizations that provide those subsidies often help
disseminate information about the successes they supported, while
ignoring those projects with less spectacular results.

  So who deserves the title of pioneers?  Maybe the subject merits
more research.  Certainly Yunus set himself apart by attracting a lot
of publicity through focusing on groups and women in a very poor
country.  As a result he and Grameen earned the Noble Peace Prize
while many other innovators have labored long and hard before and
after outside the public spotlight, and they also deserve much
respect for their contributions.  Innovations are often created out
of bits of information gained from previous innovations.  Once that
information becomes known it becomes useful to all subsequent
innovators.  Thankfully most, but not all, institutions in this field
have shared their successes and failures quite broadly.  The entire
industry has gained when that information has been analyzed and
widely disseminated.  It is a pity that the efforts of Dr. Khan and
many others have not been written up and communicated more broadly so
we have a better understanding of microfinance history.

Dick




At 04:54 AM 11/4/2009, you wrote:

>Dick,
>
>I haven't read these new pieces but we have touched a  wonderful
>subject area worthy of much more exploration. Failure can be
>the  best teacher as the writings of dr khan himself suggests. He
>wrote about what he learned, always questioning and rarely touting
>acheivements. Some say microcredit in baangladesh learned from these
>lessons of the 60s towards building new organizations in the 70s and 80s.
>
>At comilla dr kahn worked with dick patten who later went on to
>advise BRI in its reformation. Dr khan called Patten he best field
>organizer he had ever seen.
>
>Dr khan went on to karachi, a refugee for the second time, and
>started the orangi pilot project. Largely an urban infrastructure
>effort in one neighborhood, it was also the first to offer modern
>style microcredit in pakistan. Dr khans  disciple shoaib sultan khan
>went on to found akrsp and nrsp. Both of these organizations have
>transitioned towards microfinance banks. Nrsp is the largest
>microcredit provider in pakistan.
>
>Were he alive today I am sure he would talk mostly about the
>learnings from this lineage and how much more all of us need to
>discover about development.
>
>Greg
>
>
>
>
>------------------------------------
>
>WARNING! If you hit REPLY, your message will go to the entire
>listserve, not just the original author!Yahoo! Groups Links
>
>
>

[Greg Chen]

Dick,

I think all of us may have our own interpretations of who qualifies as a
pioneer.  If Dr. Khan were alive I expect he might himself have something
interesting to add and he did write several books.  I am not sure that he
would have touted, however, the lineage he later inspired. It was more his
style to question everything.

His Orangi Pilot Project continues to operate in Pakistan relying on its
operations and to some extent an endowment he left behind.  Small scale but
seems to have lasted for some time.

- Greg


On 11/5/09 2:47 AM, "Richard Meyer" <meyer.19@...> wrote:

>  
>  
>  
>    
>
> Greg:  Thanks for the info.  I had no idea of the Kahn and Patten
> connection.  I knew that Patten has been recognized as being
> important in designing the credit models that transformed BRI in
> Indonesia after 1983.
>
> The question of who deserves the title of pioneer is probably quite
> complex.  I recall reading Robinson's report of the small private
> bank Bank Dagong Bali in Indonesia making micro loans beginning in
> 1970 long before the BRI positive experience.  Some would argue that
> the charitable groups in Ireland making interest free loans in the
> 1700s and the Raiffeisen rural savings and credit operations in the
> mid-1800s in Germany deserve credit for making the earliest small
> scale loans.  Would be interesting to know how much Yunus and Khan
> may have learned from studying those experiences.
>
> I think we may want to focus on sustainable institutions since
> creating a sustainable long term institution is more complicated than
> creating a pilot project that works for a while but then collapses
> even if valuable lessons are learned from its failure.  Using that
> criteria, it would seem that Grameen and Yunus deserve the spotlight
> along with the founders of BRAC and ASA in Bangladesh, Pancho Otero
> who created Prodem in Bolivia in 1986, and John Hatch who created the
> first village banks in Latin America in 1984.  I believe it is true
> that all these examples have undergone considerable changes over time
> due to their own experiences and learning from the industry's
> successes and failures.
>
> How should we factor in the role of external subsidies that many
> institutions received compared to those that were largely started
> with and became viable using only their own savings?  Many of the
> persons and institutions often suggested as pioneers were dependent
> on huge subsidies for a long time before becoming
> self-sufficient.  Yunus and Grameen fall into that category and so do
> many others. Organizations that provide those subsidies often help
> disseminate information about the successes they supported, while
> ignoring those projects with less spectacular results.
>
> So who deserves the title of pioneers?  Maybe the subject merits
> more research.  Certainly Yunus set himself apart by attracting a lot
> of publicity through focusing on groups and women in a very poor
> country.  As a result he and Grameen earned the Noble Peace Prize
> while many other innovators have labored long and hard before and
> after outside the public spotlight, and they also deserve much
> respect for their contributions.  Innovations are often created out
> of bits of information gained from previous innovations.  Once that
> information becomes known it becomes useful to all subsequent
> innovators.  Thankfully most, but not all, institutions in this field
> have shared their successes and failures quite broadly.  The entire
> industry has gained when that information has been analyzed and
> widely disseminated.  It is a pity that the efforts of Dr. Khan and
> many others have not been written up and communicated more broadly so
> we have a better understanding of microfinance history.
>
> Dick
>
> At 04:54 AM 11/4/2009, you wrote:
>> >Dick,
>> >
>> >I haven't read these new pieces but we have touched a  wonderful
>> >subject area worthy of much more exploration. Failure can be
>> >the  best teacher as the writings of dr khan himself suggests. He
>> >wrote about what he learned, always questioning and rarely touting
>> >acheivements. Some say microcredit in baangladesh learned from these
>> >lessons of the 60s towards building new organizations in the 70s and 80s.
>> >
>> >At comilla dr kahn worked with dick patten who later went on to
>> >advise BRI in its reformation. Dr khan called Patten he best field
>> >organizer he had ever seen.
>> >
>> >Dr khan went on to karachi, a refugee for the second time, and
>> >started the orangi pilot project. Largely an urban infrastructure
>> >effort in one neighborhood, it was also the first to offer modern
>> >style microcredit in pakistan. Dr khans  disciple shoaib sultan khan
>> >went on to found akrsp and nrsp. Both of these organizations have
>> >transitioned towards microfinance banks. Nrsp is the largest
>> >microcredit provider in pakistan.
>> >
>> >Were he alive today I am sure he would talk mostly about the
>> >learnings from this lineage and how much more all of us need to
>> >discover about development.
>> >
>> >Greg
>> >
>> >
>> >
>> >
>> >------------------------------------
>> >
>> >WARNING! If you hit REPLY, your message will go to the entire
>> >listserve, not just the original author!Yahoo! Groups Links
>> >
>> >
>> >
>  
>    
>
>

[Non-text portions of this message have been removed]