Poverty is multidimensional in nature and exists in every part of the world. Microfinance is considered one of the most important programs to achieve poverty reduction, particularly in Bangladesh. It has been estimated that nearly 45% of Bangladesh's population lives below the poverty line. This qualitative research study was conducted in order to determine the effectiveness of microfinance programs and the contributing factors to the high-level of poverty among microfinance beneficiaries in the district of Bogra, Bangladesh. Study findings indicated that microfinance programs were ineffective as a result of high interest rates; insufficient loans; unproductive use of loans; corruption and poor skills of microfinance institution staff; weekly repayment schedules; and physical and mental harassment of poor women. Additionally, the lack of employment opportunities, education, healthcare facilities and social safety nets; natural disasters; the dowry system; and the rising cost of basic daily needs have also contributed to chronic poverty.

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作为孟加拉国农村发展和扶贫工具的小额信贷：一项重要评估

贫穷本质上是多维的，存在于世界的每一个角落。小额信贷被认为是实现减贫的最重要计划之一，特别是在孟加拉国。据估计，孟加拉国近 45% 的人口生活在贫困线以下。进行这项定性研究的目的是确定小额信贷计划的有效性以及孟加拉国博格拉地区小额信贷受益人高度贫困的促成因素。研究结果表明，由于高利率，小额信贷计划无效；贷款不足；非生产性使用贷款；小额信贷机构工作人员腐败和技能差；每周还款时间表；以及对贫困妇女的身心骚扰。此外，缺乏就业机会、教育、医疗设施和社会安全网；自然灾害; 嫁妆制度；基本日常需求的成本上升也导致长期贫困。