You are from BRAC! I have heard they are some sort of BLOOD SUCKER, by giving small money to poor they take 80% interest. Even some rural farmer had to suicide after taking loan from Brac. And you are talking about "living standard" how funny man :)
I.E. From just December last year :
http://www.eoi.es/blogs/amyblyth/dp-the-grameen-and-brac-exp...
For balance, here's the response straight from the horse's mouth before that story was written :
Very convenient when borrowers are unaware of those choices all too often as happened in Sri Lanka too after the tsunami.
And a guardian piece from 2008 :
http://www.guardian.co.uk/society/2008/feb/20/internationala...
Ah, but these are "Western media" outlets with a clearly biased view spewed from behind the computer. I was born there, but let me return to the modest shack my granddad built so I'll have better standing, shoulder-to-shoulder, with you.
Your organization is the NGO equivalent of the U.N. with greater far-reaching tentacles in every aspect of the poorest communities you influence. The garment factories you hold in such high esteem are exploitive in the extreme and the level of self-delusion you exhibit would have been funny if the consequences weren't so tragic.
Edit: Reply link not showing up yet. Meanwhile, since microcredit is the bread and butter, so to speak, of the BRAC scheme :
https://www.google.com/search?q=consequences+of+microcredit
https://www.google.com/search?q=effects+of+microcredit
https://www.google.com/search?q=repercussions+of+microcredit
I didn't find any such thing from your links after a quick glance.