Mikrokrediitti
Mikrokrediitti, also known as microcredit, refers to the provision of small loans, typically to individuals who lack access to traditional banking services. These loans are often made to low-income entrepreneurs and small business owners, particularly in developing countries, to enable them to start or expand their businesses. The core idea behind mikrokrediitti is to empower individuals by providing them with the financial resources needed to generate income and improve their livelihoods.
The concept of mikrokrediitti gained significant international attention with the work of Grameen Bank in Bangladesh,
Mikrokrediitti initiatives operate through various institutions, including non-governmental organizations (NGOs), credit unions, and specialized microfinance banks.
The impact of mikrokrediitti is a subject of ongoing debate. Supporters highlight its role in job creation,