La banca para los pobres: como liberar los beneficios de las microfinanzas

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cg.authorship.typesCGIAR single centreen
cg.coverage.countryBangladesh
cg.coverage.countryCameroon
cg.coverage.countryChina
cg.coverage.countryEgypt
cg.coverage.countryGhana
cg.coverage.countryMadagascar
cg.coverage.countryMalawi
cg.coverage.countryPakistan
cg.coverage.countryNepal
cg.coverage.iso3166-alpha2BD
cg.coverage.iso3166-alpha2CM
cg.coverage.iso3166-alpha2CN
cg.coverage.iso3166-alpha2EG
cg.coverage.iso3166-alpha2GH
cg.coverage.iso3166-alpha2MG
cg.coverage.iso3166-alpha2MW
cg.coverage.iso3166-alpha2PK
cg.coverage.iso3166-alpha2NP
cg.coverage.regionSouthern Asia
cg.coverage.regionWestern Africa
cg.coverage.regionEastern Asia
cg.coverage.regionNorthern Africa
cg.coverage.regionSouthern Africa
cg.coverage.regionAfrica
cg.coverage.regionAsia
cg.coverage.regionMiddle East
cg.coverage.regionSub-Saharan Africa
cg.coverage.regionOceania
cg.coverage.regionMiddle Africa
cg.coverage.regionEastern Africa
cg.identifier.projectIFPRI - Archive
cg.number12en
cg.placeWashington, DCen
cg.reviewStatusInternal Reviewen
dc.contributor.authorInternational Food Policy Research Instituteen
dc.date.accessioned2024-10-24T12:45:30Zen
dc.date.available2024-10-24T12:45:30Zen
dc.identifier.urihttps://hdl.handle.net/10568/156787
dc.titleLa banca para los pobres: como liberar los beneficios de las microfinanzasen
dcterms.abstractThis policy brief is designed to help policymakers and practitioners understand the financial services needed by the poor. It is based on a five-year IFPRI research program that examined, among other issues, the roles government should play in providing financial services to meet the needs of the poor, through a series of detailed household surveys conducted in nine countries of Africa and Asia: Bangladesh, Cameroon, China, Egypt, Ghana, Madagascar, Malawi, Nepal, and Pakistan.... [The brief asks us to consider these questions:] What kinds of financial services do the poor value? What economic activities are the poor engaged in, and what implications does this have for the type of services to be provided? What are existing sources of financial services, and how do the poor use them? What combination of financial instruments—credit, savings, insurance — are best developed, given specific demand from different types of clients? Do delivery systems (credit union, village banking, group-based lending) take into account the prevailing socioeconomic environments or local organizational systems? What unconventional methods do the poor use to secure loans? Can these collateral substitutes be used within a more formalized banking system? In the lending or granting of public resources, are incentives in place to encourage competitive, sustainable, efficient, and entrepreneurial microfinance institutions? Are regulations in place that govern mutually supportive transactions between the clients (borrowers) and institutions (lenders), such as deposit insurance and contract enforcement? Are prudential regulations, such as accounting practices and reporting requirements, balanced so that they ensure sustainability, good management, and accountability of microfinance institutions without stifling innovation? Would the introduction or expansion of microfinance services in a region be one of the most socially cost-effective ways to alleviate poverty there, given the state of infrastructure and markets, the availability of services, and the existence of other antipoverty and development programs in the region?en
dcterms.accessRightsOpen Access
dcterms.bibliographicCitationInternational Food Policy Research Institute (IFPRI). 2003. La banca para los pobres: como liberar los beneficios de las microfinanzas. Issue Brief. 12. https://hdl.handle.net/10568/156787en
dcterms.extent6 p.en
dcterms.isPartOfIssue Briefen
dcterms.issued2003
dcterms.languagees
dcterms.publisherInternational Food Policy Research Instituteen
dcterms.relationhttps://hdl.handle.net/10568/155603en
dcterms.replaceshttps://ebrary.ifpri.org/digital/collection/p15738coll2/id/73152en
dcterms.subjectfinancial institutionsen
dcterms.subjectsmall enterprisesen
dcterms.subjectstate interventionen
dcterms.subjecthouseholdsen
dcterms.subjectsurveysen
dcterms.subjectcrediten
dcterms.subjectinsuranceen
dcterms.subjectsocioeconomic environmenten
dcterms.subjectregulationsen
dcterms.typeBrief

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