IIUC Business Review

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    Measurement of the impact of micro-credit programs on poverty alleviation in Bangladesh
    (International Islamic University Chittagong, 2022-12) Billah, Md. Arif
    The main purpose of this study is to measure the impact of micro-credit programs on selected non-government organizations (NGOs) regarding poverty alleviation in Bangladesh using a purposive sample of 1000 credit borrowers. Alongside respondents' perceived change in a poverty situation, this study developed an alternative measure of poverty change based on changes in household wealth and educational attainment. This study found that the perceived change in poverty was 78.1 percent. However, the poverty change index (PI) examination indicates that around 55.6% of the respondents had successfully overcome their poverty. According to the analysis of multinomial logistic regression and two-level binary logistic regression, the amount of loan, various NGOs' performance, satisfaction level, previous loan, and micro-credit as the main instruments of asset and poverty change. Significance variation at the community level was found in this study, which means that respondents from various communities with similar attributes will demonstrat distinct impect on the evolution of the poverty situation. More research should be conducted to identify the causes of this difference to maximize the impact of microcredit.
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    Rural Development Scheme of Islami Bank Bangladesh Limited: An Analysis as an Alternative Microfinancc Program
    (CRP (International Islamic University Chittagong), 2014-06) Rafique, Abu Bakr; Al-Mubarak, Tawfique
    The Rural Development Scheme (RDS) of Islami Bank Bangladesh Limited (fBBL) was introduced in 1995 with the objective of eradicating poverty and to involve the largest number of village-living poor folks to create opportunity for income generation and employment of the rural poor. RDS, despite its limitations, has proven itself as an alternative microjinance program to the conventional microfinance providers and Non-Governmental Organizations (NGOs) in Bangladesh. This paper, following a comparative methodology, aims at analyzing the success and failure of the RDS of fBBL throughout the past few years, and testing its effectiveness as an alternative to the conventional micro finance programs which are mainly based on interest-bearing loans.
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    Zakah: A Comprehensive and Effective Redistribution Strategy for an Economy Ensuring Poverty Alleviation and Distributive Justice
    (CRP, International Islamic University Chittagong Bangladesh, 2015-12) Faruq Ahmad, Abu Umar; Habib, Farrukh; Rashid, Mamunur
    Zakah ( الزكاة ) which is the third of the five basic pillars of Islam is considered as an integral part of an Islamic social welfare system since it ensures the rights of poor and needy in the wealth of the rich and as such acts as a tool for distribution of wealth in eradicating poverty in society. This study discusses the potentials of zakah in distributing economic justice and alleviation of poverty. Keeping this objective in view, the study attempts to discuss: a) the concept of redistributive justice from conventional as well as Islamic economics point of view, b) the well-known schools of thought in political philosophy of redistributing income, and c) the salient features of the Islamic strategy for the realisation of the desired pattern of distribution. Zakah is designed to eliminate poverty – both in the short- and long-term basis. Besides, being a collection of redistributive measures it has great scope to play an important role in distributing justice in an economy.
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    Microfinance: Learning from Islami Bank Bangladesh Limited (IBBL)
    (CRP, International Islamic University Chittagong, Bangladesh, 2015-12) Rafique, Abu Bakr
    The Rural Development Scheme (RDS) of Islami Bank Bangladesh Limited (IBBL) was introduced in 1996 with the objective of eradicating poverty and to involve the largest number of village-living poor folks to create opportunity for income generation and employment of the rural poor. RDS, despite its limitations, has proven itself as an alternative microfinance program to the conventional microfinance providers and Non-Governmental Organizations (NGOs) in Bangladesh. This paper, aims at analyzing the success of the RDS of IBBL throughout the past few years, and testing its effectiveness as an alternative to the conventional microfinance programs which are mainly based on interest-bearing loans.