Islam, which had no collateral, no guarantees, and nothing, borrowed 450,000 yuan from the bank, and achieved a turnover of more than one million in only three months, jumping from a poor ghost to a factory director.
Three months ago, Islamic loans opened a garment factory in Dhaka, the capital of Bangladesh, he left home at the age of 14 to work, worked hard for 20 years, finally learned the art of making clothes, wanted to stand on his own, this garment factory poured all his savings and dreams, but it is not easy to open a factory, after all, Islam has neither actual achievements nor guarantees, ordinary banks must be dismissive.
It is the Black Bank, known as the "Bank of the Poor", which is a non-governmental organization that finances the poor, where the loan is valued only by the use of the loan, which means that the poor can get a loan without collateral, so Islam does not want to lose credibility, lose the only source of wealth, just as everyone living in Dhaka knows that no one can help you here, even the government, so you have to fight hard, and you have to fight hard.
When the small Workshop of Islam has not yet been renovated, the workers can not wait to start, because of poverty, everyone is eager to get a job, the factory workers are generally teenage girls, the first month 2500 yen (about 150 yuan), after learning the sewing machine, plus 800 yen, each small workshop here, carrying people's expectations for a new life.
But do not want, islamic workshops just started soon, it encountered trouble, orders received, equipment is complete, electricity but can not supply, because in recent years the factory has increased sharply, similar to this garment factory, in Dhaka has more than 10,000, and with 50 per day growth, in this case, electricity has become a tight material, Islam's 18 sewing machines, and finally only 8 sets of work, which means that just received 500 children's clothing orders, facing the situation of incomplete, this month's loan, may also be overdue, This is also the most worrying thing in Islam, if you travel to the pool for the first time, it will be difficult to deal with later.
At this time, Islam's wife took up the burden, she worked overtime to make orders, on the last day of repayment of the goods, but just when Islam was relieved, the middleman gave him a blow, only half of the payment, he was angry and anxious, while reprimanding the middleman, while borrowing money everywhere, until the evening, Islam rushed to the bank, there was no danger in the bank before the closing of the hour to repay the loan, he finally smiled,
Three months later, The Islamic factory increased from 15 to 125 people, achieving a turnover of millions, each loan can be repaid on schedule, he also jumped from the poorest person in the world to the manager of the 125 people, but Islam is not willing to stop here, in order to get more international orders, so he plans to learn from the predecessors, this person is: Tai Biao, is the real big factory owner, there are more than 2,000 employees alone, Tai Biao is also a rural child, spent fifteen years, became an entrepreneur who trades with the world, As a fellow countryman, he was happy to teach Islam, giving islam the confidence to go to the next level.
And not far from the Islamic factory, Lihana was in a car to go to the Bank of Braque for a loan, to say that Islam still has a little savings and clothing technology, Lihana is really nothing, she is in the largest slum in Dhaka, or one of the thirty thousand slum dwellers, the people here, either from the distant countryside, or suffered from natural disasters, here is a place where the government is looking forward to it, in fact, Rihanna's life was not bad, borrowing money to open a grocery store, but since her husband fell ill, There was no money to buy, and the days were falling, but watching the people around her get better and better, Lihana made up her mind to borrow money again.
For this, The Bank of Braque has a new way of credit, that is, the microcredit method, which means unsecured credit, for the slum population, the only condition is that 5 people need to share the responsibility, if one person does not repay the money, the other four people must repay, but the guarantor does not need any strict conditions, so Lihana quickly found someone, after answering the interviewer, where the loan is used, Lihana will get the loan as she wishes, in the Bank of Braque loan, the most important thing is the purpose of the loan, if the poor get rich, The loan environment was very relaxed, and Lihana already had experience in opening a shop, and in just four days, the turnover tripled, and after a week, the repayment deadline came suddenly, and Lihana went to the repayment place with a happy face.
There are many poor women like her here, some loans to open clothes shops, some loans to buy iron pots, sell cakes, now they all smile, think this is the happiest life, and for Black Bank, giving loans to this group of poor women is also a pleasure, there are data showing that the female repayment rate is as high as ninety-nine percent, just like today, it is another day when no one is in arrears, and women also feel it
It is such a simple idea, is their most valuable wealth, of course, in addition to the deeds in Dhaka, The Bank of Braque also built the Internet, they believe that information backwardness is the primary cause of poverty, and the most immediate field is the field of education, a remote village in northern Bangladesh, young people through online surveys, found that the price of wheat changes, the village has not changed for ten years, Dhaka is doubling every year, this news for villagers and middle bargains will be of great help, Many people may not know what the Internet is, but in the future they will definitely benefit from it.
In the port of Dhaka, there is still a steady stream of rural people coming by boat every day, they carry their family wealth, they have unlimited expectations for Dhaka, or The Bank of Braque, and there is a strange scene in Dhaka, there were very few high-rise buildings in the past, but they were basically semi-finished products that had not yet been built, in fact, this was deliberately not capped by the homeowners, they believed that as long as they worked hard, they could build up layer by layer.
Sometimes, the reason why the poor are poor is that what is lacking is an opportunity, of course, opportunity is also an important condition for success, but fortunately, in the city of Dhaka, the power of the poor is bursting, they are busy shuttling through the city, and they can't see a single person who has stopped.