ABSTRACT
This chapter argues that different models of community development also influence the outcomes of microcredit self-help group programming. It illustrates how neoliberalism has come to dominate community development and compares this with more transformative approaches. It details how transformative approaches may draw from a variety of theories: from critical education, to rights-based approaches, to a capabilities approach. It further outlines the significant role that field workers play in ensuring that a programme is transformational. It argues that not only is the role of field workers frequently overlooked, but they are often treated with poor pay, conditions and prospects. This chapter also details examples of different NGOs operating microcredit programmes and the extent to which they aim to be transformative in their practices.
