Résumés
Abstract
Investigating the replication of microcredit methodologies in Brazil, this paper seeks to explore the conditions under which microfinance and microcredit, two “financial inclusion” strategies, are likely to enhance social inclusion. A qualitative case study was conducted focusing the path of CrediAmigo, a Brazilian microfinance institution (MFI). This study is probably the first to provide an integrated perspective on critical issues concerning the replication of microcredit methodologies in Brazil. The findings may support MFI managers and policy makers in taking steps to facilitate the expansion of microfinance across Brazil.
Keywords:
- Financial inclusion,
- social inclusion,
- microcredit methodology,
- microfinance,
- microfinance institution,
- multilevel framework
Résumé
Explorant la réplication de méthodologies de microcrédit au Brésil, cet article examine les conditions dans lesquelles la microfinance et le microcrédit, deux stratégies d’« inclusion financière », peuvent accroître l’inclusion sociale. Une étude de cas qualitative portant sur le cheminement de CrediAmigo, une institution brésilienne de microfinance (IMF), a été réalisée. Cette étude est probablement la première à présenter une perspective intégrée sur des questions cruciales touchant à la réplication de méthodologies de microcrédit au Brésil. Les résultats pourront aider des gestionnaires d’IMF et des législateurs à adopter des mesures facilitant l’expansion de la microfinance au Brésil.
Mots-clés :
- Inclusion financière,
- inclusion sociale,
- méthodologie de microcrédit,
- microfinance,
- institution de microfinance (IMF),
- cadre multi-niveaux
Resumen
Investigando la replicación de metodologías de microcrédito en el Brasil, este articulo examina las condiciones en las cuales las microfinanzas y el microcrédito, dos estrategias de “inclusión financiera”, permiten aumentar la inclusión social. Por medio de un estudio de caso cualitativo exploramos la evolución de CrediAmigo, una institución brasileña de microfinanzas (IMF). Éste es, probablemente, el primer estudio que presenta una perspectiva integral sobre cuestiones cruciales relativas a la replicación de metodologías de microcrédito en el Brasil. Los resultados podrán ayudar a gestores de IMF y a legisladores a adoptar medidas facilitando la expansión de las microfinanzas en el Brasil.
Palabras clave:
- Inclusión financiera,
- inclusión social,
- metodología de microcrédito,
- microfinanzas,
- institución de microfinanzas (IMF),
- cuadro teórico multinivel
Parties annexes
Bibliography
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