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Microfinance challenges: empowerment or disempowerment of the poor?

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ISBN: 9791036549854 DOI: 10.4000/books.ifp.4653 Language: English
Publisher: Institut Français de Pondichéry
Subject: Social Sciences
Added to DOAB on : 2020-09-09 12:19:30
License: OpenEdition Licence for Books

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Abstract

Microfinance is often presented, not only as an efficient tool to fight against poverty, but also as a means of promoting the empowerment of the most marginalized sections of the population, especially women. However, reality has shown that the causal relation between microfinance and empowerment is neither linear, nor unequivocal and that it is even less systematic. This book is an attempt to nourish the debate, on the one hand, by combining theoretical reflections and case studies, and on the other hand, by engaging practitioners and researchers from various backgrounds (mainly economists, sociologists and anthropologists). First of all, we consider the question of definitions. Even if everyone agrees that the concept of ‘empowerment' refers to notions of choice, of power and of change, the diversity of definitions suggested here confirms that under no circumstances does a universal conception of it exist. The second part insists on the central role of the environment. The link between microfinance and empowerment is all the more subtle, and sometimes unforeseeable, as microfinance projects take place within an economic, socio-cultural and political context that is itself complex, evolutionary and which partially conditions the results obtained. Microfinance projects - as any development projects - should therefore be understood and analyzed as endogenous processes. Finally, a third part relates to the crucial question of evaluation. Here still, the diversity of the results is striking: certain experiments are very positive while elsewhere the results are very mixed and sometimes even worrying. One does not speak any more of empowerment, but of “disempowerment” or even “overempowerment”. This heterogeneity of results is due as much to the diversity of the projects, their methods of action, the target population, and the context of intervention as to the methodologies of evaluation. The conclusion leads us to go beyond a certain number of contradictions evoked throughout the book while proposing to think of empowerment using the French concept of “solidarity-based economy”. This concept of solidarity-based economy, which is theoretical as well as normative, is a framework for analysis and action, which, according to us, must make it possible to guard against the risks of failures and perverse effects mentioned throughout the book.

Keywords

microfinance --- poverty --- empowerment

La microfinance au Bénin

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ISBN: 9782940415854 9782940415861 Year: Language: French
Publisher: Graduate Institute Publications
Added to DOAB on : 2017-10-09 11:02:38
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La microfinance enregistre ces deux dernières décennies une évolution remarquable, le processus de financiarisation créant des besoins accrus en matière de services financiers dans les sociétés humaines. Les organisations de microfinance répondent-elles aux besoins de services financiers des populations rurales ? Quels sont les moyens et les stratégies mis en place par rapport à leur mission et aux objectifs affichés ? Avec un échantillon qualitatif de 32 clients potentiels choisis de manière...

Microfinance 3.0: Reconciling Sustainability with Social Outreach and Responsible Delivery

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ISBN: 9783642417030 9783642417047 Year: Pages: 199 DOI: 10.1007/978-3-642-41704-7 Language: English
Publisher: Springer Nature
Subject: Manufactures --- Business and Management
Added to DOAB on : 2014-02-28 09:49:18
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This book focuses on the achievements, current trends and further potential of microfinance to scale-up and serve many more clients with financial services that enable them to improve their living conditions. The book asks what it takes to achieve sustainable impact: to know your clients and to understand their needs, to treat them in a fair and transparent way, and to safeguard the synthesis between the financial and social dimension of sustainable microfinance. The book also sheds light on the future funding landscape and what is necessary to bring more commercial funders on board while ensuring that these new funders will continue the commitment to responsible finance. While being forward looking, the book reflects the debate on core values of microfinance, triggered by recent criticisms of an approach that was hailed as a panacea in the beginning and which had proved over time as one of the most effective models of development finance. These criticisms emerged over signs of overheating in some markets, particularly the 2010 events in Andhra Pradesh, and turned into an assumption of a worldwide microfinance crisis, putting seriously at stake the good reputation microfinance had enjoyed so far.

Finance for Food

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ISBN: 9783642540332 9783642540349 Year: Pages: 295 DOI: 10.1007/978-3-642-54034-9 Language: English
Publisher: Springer Nature
Subject: Business and Management --- Economics --- Manufactures
Added to DOAB on : 2014-03-05 12:56:57
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This book reflects the current state of discussion about agricultural and rural finance in developing and transition countries. It provides insight into specific themes, such as commodity value chains, farm banking and risk management in agricultural banking, structured finance, crop insurance, mobile banking and how to increase effectiveness in rural finance. Case studies illustrate various aspects of agricultural and rural finance in developing economies. The book is based on one of the yearly financial Sector Development Symposia held by the KfW Development Bank.

Genre et économie : un premier éclairage

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ISBN: 9782747519083 9782940503872 Year: Language: French
Publisher: Graduate Institute Publications
Added to DOAB on : 2017-10-09 11:02:38
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Cet ouvrage a pour objectif d'offrir un premier éclairage de l’ensemble des situations dans lesquelles les femmes sont insérées économiquement mais également les principales notions qui informent structurellement ces situations, comme celles de la division sexuelle du travail, de l’articulation entre les rapports de production domestique et les rapports de production capitalistes. La diversité culturelle et politique à l’œuvre dans les contextes géographiques variés que l’on trouvera dans cet...

Économie mondialisée et identités de genre

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ISBN: 9782882470485 9782940503780 Year: Language: French
Publisher: Graduate Institute Publications
Added to DOAB on : 2017-10-09 11:02:38
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Avant même que le terme « mondialisation » fût introduit dans les débats politiques, des recherches genre se penchaient déjà sur les entreprises transnationales et la nouvelle division internationale du travail. Cet ouvrage fait le point sur les dimensions économiques, politiques et culturelles du processus de mondialisation, essentiellement à travers leurs effets sur les rapports de genre. L'ouvrage montre que les processus de la mondialisation sont étroitement liés à la vie quotidienne des ...

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