Small change

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Small change

机译：小变化

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ADOZEN WOMEN dressed in saris sit on benches at the branch of the Ujjivan Small Finance Bank on Koramangala 80 Feet Road, awaiting disbursements of tiny loans. The money is needed for school fees, to finance home businesses or, in a couple of cases, bigger ventures that will have employees and assets. One is hoping to produce pickles; another wants working capital for a welding shop. Ujjivan ("uplift" in Sanskrit) was founded in 2005 to bring the group-lending tech- niques being pioneered in rural micro-finance to urban slums. The Koramangala branch is now one of 552 in India. This growth, and the extension of the ideas underpinning microfinance to loans for small rather than tiny businesses, reflect how the approach is maturing. Samit Ghosh, the founder, has held senior roles in Citibank and hdfc Bank, both of which played big parts in transforming Indian retail banking for the middle classes and above. Yet, despite that pedigree, raising a few hundred thousand dollars as seed capital was, he says, the hardest task of his career.

机译：身着纱丽裙的ADOZEN WOMEN坐在科拉曼加拉80英尺路的乌伊吉万小型金融银行分行的长椅上，等待小额贷款的发放。这笔钱是学费，为家庭企业或在某些情况下需要拥有员工和资产的大型企业提供资金所需的。一个是希望生产泡菜;另一个是希望生产泡菜。另一个想要焊接车间的营运资金。 Ujjivan（梵语中的“ uplift”）成立于2005年，旨在将农村小额信贷领域首创的团体贷款技术带入城市贫民窟。 Koramangala分支机构现已成为印度552家公司之一。这种增长以及将小额信贷作为小企业而非小企业贷款的基础思想的扩展，反映了该方法的成熟度。创始人Samit Ghosh曾在花旗银行和hdfc银行担任高级职务，这两家公司在将印度零售银行业务转变为中产阶级及以上阶层方面发挥了重要作用。他说，尽管有这种血统，但筹集数十万美元的种子资金是他职业生涯中最艰巨的任务。

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《The economist》 |2020年第9180期|62-63|共2页
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Small change

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