Possibility of loss.
As the saying goes, there is no doubt about employing people. But in the real world, people tend to be suspicious.
There is no need to doubt. "This is the risk management of trust.
Giving trust is also a gamble. Not only should we set up a "stop loss line" that we can bear.
We should also be good at changing people with low credibility through some process settings.
Muhammad Yunus (1940-), doctor of economics, banker of the poor, founder of Grameen Bank, won the 2006 Nobel Peace Prize.
Who? The "poor bank" he founded helped millions of poor people get rid of poverty.
At the beginning of Grameen Bank, banker Dr. Yunus almost all the poor people.
Bankers are full of doubts about him.
Without any mortgage or legal documents, the poor can borrow money without interest.
Beggars can borrow money without group guarantee or joint liability. Is this Muhammad from Bangladesh? Yunus
Microfinance project advocated by doctor.
In fact, the loan repayment rate of "poor bank" reaches 99.02%, which is a simple traditional loan concept.
Straight is a subversion. In his autobiography, Dr. Yunus described many vivid details.
The basic assumption of Grameen Bank led by Yunus is that every borrower is honest.
Yes "We are convinced that the foundation of establishing a bank should be trust in human beings, not meaningless trust.
A paper contract. The success or failure of Grameen will depend on the strength of our interpersonal relationship. "
Grameen bank works like this: a poor man who wants to borrow money must first find someone else.
Four people want to get a loan or join a group. Five people formed the "poor bank" immediately.
Ok "will give loans to two team members first, if these two people in the next month and a half.
If two members repay the loan on time, they can apply for a loan. Usually the team leader is the last one.
Lender.
96% of Grameen Bank's customers are women. Because Yunus found that women get loans.
After payment, a family is more likely to benefit. Women will spend money on the cutting edge. Based on this fact,
Yunus decided to give priority to women when lending money. He wants to make sure that the purpose of these small loans is not
For consumption, but for production activities. If a person wants to apply for a loan, he must first start from
My own thoughts. For example, a woman wants to raise chickens through a loan of $65,438+000. Her idea is not to.
To the poor bank, but first to the other members of the group she wants to join. group
Other members should first know whether she has any experience in raising chickens and what the site conditions are. If you think,
No more questions, the first step of the loan was passed.
At this time, people who have been living in poverty have won the trust of an institution for the first time in their lives: you.
He is a good man who keeps his word. The bank lends you a lot of money. Then she swore that she would never live up to this.
Institutions will live up to themselves. She will struggle and pay back every penny.
Although lenders must join the group, everyone is only responsible for their own loans and has no obligation.
Bear the repayment of others. The failure of one member to repay the loan will not affect the future access of other members of the team.
Loans will only have an impact on public opinion at most. For example, other groups will say, look, this group also
Money is not good. In fact, if someone doesn't pay it back, we will definitely lose money, but this person doesn't.
When she can get a new loan, she will soon understand that it is unwise not to repay it, and she will often do so.
Pay back the money and get another loan.
Of course, the group with good loan repayment will have the opportunity to obtain a larger loan amount in the future, which is one of them.
Incentive mechanism.
In this case, we can see that human nature can be stimulated through the setting of the loan process.
Psychological effects such as commitment and consistency, conformity psychology and reciprocity principle. Thereby reversing the wind of trust.
The risk is minimized.