“from small credit to microfinance or how to develop financial diversity”
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“From small credit to microfinance or how to develop financial diversity”. Berlin, 27 April 2007. From small credit to microfinance. Brigitte Maas (DMI, Germany) Udo Bauer (Nordhand, City of Dortmund) Christian Baier (Socius, Berlin) Christophe Guene (SOFI, Brussels). Strong selection - PowerPoint PPT PresentationTRANSCRIPT
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“From small credit to microfinance or how to
develop financial diversity”
From small credit to microfinance
Brigitte Maas (DMI, Germany)
Udo Bauer (Nordhand, City of Dortmund)
Christian Baier (Socius, Berlin)
Christophe Guene (SOFI, Brussels)
Berlin, 27 April 2007
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The vicious circle !Strong selectionControl & processHigh cost(High risk)Stronger selectionMore control & processLoss of reputationHigher costs(increase of credit ceilings)Higher riskLower outreach
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Process control system
Low institutional risk
Legitimacy through procedures
Low output
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The virtuous circle ?High accessOpen processHigh trustLow costLow riskHigh (social) innovation
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Outcome target system
Legitimacy through efficiency
High institutional uncertainty
High (quality) output
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Forms of Social Capital
Mutual Trust, Friendship, Dependencies, Beliefs, Values, Information, Know-how, Solidarity, Confidence...
... anything that binds people to each otherThe Challenge: how to detect it, how to build on it, how to nurture it ?
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sofi money & banking for Society
Rue de Cureghem, 41-43
B-1000 Brussels, Belgium
Tel +32-(0)2-762 14 31
www.sofi.be