ABSTRACT
This Chapter covers two broad themes - the views of the field workers on the activities and policies of their Non Governmental Organizations (NGOs), and their ideas about 'development'. NGOs have become prominent, jobs in NGOs have become a profession and research on NGOs attracts fame and funds. Clients' Dependency on NGOs: All field workers agreed that NGOs are creating a relationship of dependency with their clients. NGO field workers are forming groups and clients are joining the NGOs to get services, so it is a dependent relationship. The NGOs should train their clients in maintaining accounts, project-planning and implementation and maintenance of discipline in a group. To reduce clients' dependency on NGOs for microcredit, some recommended giving loans to the same client no more than 3 times. Field workers and mid-level managers suggested several reasons why their NGOs have gone for large-scale microcredit programmes.
