Özet:

Microfinance is a socialist approach in capitalist format developed by Dr. Yunus who attempted to amalgamate two opposite ideological orders. It is unnatural. Ultimately the capitalist money that is inducted in the system becomes the stumbling block to eradication of poverty. Dr. Yunus finally discovered the menace as micro-sharks. This element invests their money on commercial lines whereas microfinance needs such a fund that allows the downtrodden to make its easy use. So, hefty amount of fund should come through donations, not through loans. It is not a small thing that $ 190m donation directly goes to the begging bowls daily in Pakistan. Research results indicate that people particularly in Pakistan donate with open hearth every year and it is time to make it institutionalized. Induction of this fund in the system ultimately will make microfinance system pressure-free. Further the beggar segment which is still kept outside the orbit of microfinance system should be brought in so that they can also contribute to mainstream economic system. After all this section is also part of the stakeholders. Surely this section of insignificant people will not ask for alms once they get touch of new life and the middlemen who exploit them on religious bigotry will vanish. This way the microfinance will absorb major shock pertaining to feeding the unfed. This will allow the macro-economy to work with freehand to ensure overall development of the country. Key Words: Microfinance, CSR, Beggary.

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