Verlagstext:
WirtschaftswissenschafterInnen und MitarbeiterInnen von auf Kleinkredite spezialisierten Institutionen aus Industrie- und Entwicklungsländern analysieren anhand von praktischen Erfahrungen die Kooperation und Verschränkung von Banken und informellen Institutionen in der Gewährleistung von Finanzdienstleistungen für die ländliche Bevölkerung in Bolivien, Costa Rica, Honduras, Indien, Indonesien, Mali, Peru, Philippinen, Ruanda und Tansania. Herausgearbeitet wird, wie der Zugang von Armen in ländlichen Gegenden zu Krediten optimiert und die finanzielle Basis von Mikrofinanzierungsinstitutionen durch den Transfer von Knowhow der Banken, Kreditversicherungen und günstigeren Zugang zum Kapitalmarkt gestärkt werden kann. Erörtert wird die Abfederung der hohen operationalen Kosten der Versorgung der Landbevölkerung mit Finanzdienstleistungen.
Despite significant innovations in rural microfinance over the years, millions of people around the world still do not have access to financial services. Can linkages and strategic alliances between formal and informal financial institutions and private firms help resolve this problem? Drawing on 12 case studies and one review conducted in 11 countries in Africa, Asia, and Latin America, the authors show how formal financial institutions and companies use a variety of less formal, often rural, organizations to overcome the information and enforcement problems of serving rural clients. Research indicates that these linkages seem to afford both partners the opportunity to overcome weaknesses experienced when working on their own. This book is of interest to all involved in rural development, particularly those concerned with financing economic development and innovation.
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Preface vii
Acknowledgements ix
Tables x
Figures xiii
Boxes xiv
Acronyms and abbreviations xv
Contributors xxi
1 Introduction: Linkages between formal and informal 1
financial institutions
2 Strategie alliances for scale and scope economies: lessons from
FADES in Bolivia 11
Claudio Gonzalez-Vega an Radolfo Quiros
3 Institutional transformation to create linkages that enhance
rural access to financial services: the case of the Fundacion
Integral Campesina in Costa Rica 27
Rodolfo Quiros an Claudio Gonzalez- Vega
4 Opportunities for the creation of linkages and alliances to
expand the supply of rural financial services: the Jose
Maria Covelo Foundation and its partners in Honduras
Mayra Falck, Rodolfo Quiros and Claudio Gonzalez- Vega
S ICICI Bank partnership linkages in India 8S
Malcolm Harper andMarie Kirsten
6 A case study of AVIVA Life Insurance and its linkage with
mtcrofinance institutions 97
Nilotpal Pathak
7 Indonesia: A Regional Development Bank linked with villagebased
non-bank financial institutions 113
IketutBudastra
8 The rich variety of microfinance linkages in Indonesia 133
John DConroy an Iketut Budastra
9 Self-reliance vsdonor dependence: linkages between banks
and microfinanee institutions in Mali 147
Hans DieterSeibel
10 Partnership to expand sources of funds for rural microfinance
in Peru: the ease of Confianza 169
Janina Leon
11 Financial linkages in the Philippines: constraints and success
factors 187
BenjaminRQuinones, tr
12 Extending the outreach of Rwandan People's Banks to the rural
poor through village savings and eredit associations 201
Chet Aeschliman, Fiacre Murekezi an Jean-Paul Ndoshoboye
13 Linking with savings and credit cooperatives (SACCOs) to
expand financial access in rural areas: a ease study of CRDB
Bank in Tanzania 217
Gerda Piprek
14 Conclusions 247
Index 275