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res are getting flooded with masses. To stop this migration we have to provide opportunities to under privileged people of rural areas. Microfinance is a major tool available to create opportunities and help people to raise their quality of life. (Grameen Bank, 2007)

Although this fact is well established and understood the approach taken to achieve is yet to prove itself and hence despite huge money being made available for these projects success is nowhere visible. The business correspondent and business facilitator model envisioned by Grameen needs major revamp. (Grameen Bank, 2007)

The major issues in making this model a failure is:

After opening the account the beneficiaries are expected to deposit their surplus cash by handing it over to the agent as and when he visits the customer. As there is no certainty of visit of the agent, the customer doesn't find it convenient to keep waiting for the opportunity to deposit or withdraw cash. In fact the normal human expectation is that he should get cash as per his need which may be at any point of time during the day. Similarly he would like to deposit the surplus cash as soon as it is available with him without waiting for anyone to collect it from him. The agent appointed for this work has to cover five to six villages every day hence he visits only as per his schedule, which may not be to the linking of the customer. (Grameen Bank, 2007)

The agent or the business correspondent is expected to carry cash for disbursement to the account holders physically. The law and order situation in rural areas is the major hurdle in giving comfort to these agents to move to remote villages, hence the cash withdrawal by the customers is discouraged. Thus the agent doesn't not have sufficient work and he gets discouraged to continue the work and after some time the whole system comes to a grinding halt. (Grameen Bank, 2007)

There is strong need to understand the skill level of rural populace to create opportunities for skill enhancement through training and appropriate backward linkages for marketing of products, which he would be producing with enhanced knowledge. The present model focuses on opening of deposit accounts. Thus customers do not get encouraged to use the system. (Grameen Bank, 2007)

The government is giving grants/stipend/allowances to many categories of people like old age persons, meritorious students, handicapped, individuals, widows etc. As also to farmers in case of crop failure from time to time. These doles are being distributed through existing physical channels of bureaucracy but it is common knowledge that they do not reach the right beneficiary because of imperfect distribution channels and human involvement at various levels. Present model also involves agents to make cash available to beneficiaries and hence technological enablement is not made use of. (Grameen Bank, 2007)

Benefits of Social Community vs Charity

There are hundreds of business that is coming up on the model of the social business. This social business model has gone to huge places. It is very difficult to shown the benefits of social community and charity. Lot of charity is done by some method or the other but thes本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。