Orientación de los servicios microfinancieros hacia los más pobres
One of the most important discussions in current micro-finance theory is whether it is necessary or counter-productive to focus micro-financial services to the poorest. In this document, we describe the most well known methodologies. We conclude that focussing in specific groups restricts the ac...
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| Format: | article |
| Langue: | EN ES PT |
| Publié: |
El Colegio Mexiquense, A.C.
2005
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| Accès en ligne: | https://doaj.org/article/37b0433aee944cf3bb5d4492713c0cea |
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| Résumé: | One of the most important discussions in current micro-finance theory is
whether it is necessary or counter-productive to focus micro-financial
services to the poorest. In this document, we describe the most well known
methodologies.
We conclude that focussing in specific groups restricts the access to
others that are considered non-vulnerable. As a result, the so-called inclusion
error is corrected, but the possibilities of increasing the exclusion error
are greater since the methodologies that guide the programmes have been
designed to detect the poorest within 70-80%. Moreover, there is the risk of
destroying the existing social capital in the communities where microfinancial
projects operate. |
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