La microfinance contemporaine - III PDF Download

Author: Abdellatif Komat
Publisher: Presses universitaires de Rouen et du Havre
ISBN:
Category : Business & Economics
Languages : fr
Pages : 384

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Book Description
Cet ouvrage est le troisième d'une collection « Microfinance contemporaine » ouverte par l'Association internationale de chercheurs francophones en microfinance (AICFM) crée en 2012 avec le soutien de l'Agence universitaire de la francophonie (AUF). Cette association a pour but de faciliter les échanges – en français – entre chercheurs du Nord et du Sud sur la microfinance et les problèmes qu’elle soulève désormais. Le premier volume, La microfinance contemporaine: défis et perspectives, était issu de journées scientifiques organisées à Brazzaville. Le deuxième, La microfinance contemporaine: crises et mutations, des journées de Douala. Ce troisième volume reproduit les actes des journées qui se tenues à Casablanca et qui ont été consacrées cette fois au financement de la microfinance. Beaucoup d’institutions de toutes sortes accordent de petits crédits, de cette façon elles financent des activités plus ou moins informelles et des petites entreprises ou des micro-entreprises. Mais elles ne peuvent le faire que si elles disposent des ressources nécessaires, c’est-à-dire si, à leur tour, le plus souvent, elles empruntent.

Author: Claude Bekolo
Publisher: Presses universitaires de Rouen et du Havre
ISBN:
Category : Business & Economics
Languages : fr
Pages : 314

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Book Description
L'Association internationale des chercheurs francophones en microfinance (AICFM) poursuit l’œuvre qu’elle a entreprise en 2012 avec le soutien de l’Agence universitaire de la francophonie (AUF). Après un premier volume, La Microfinance contemporaine. Défis et perspectives, issu du colloque de Brazzaville, en voici un deuxième, issu cette fois de celui organisé à Douala et auquel ont participé, avec des collègues d’universités françaises, des collègues des universités de Cotonou, Dakar, Brazzaville, Kinshasa, Yaoundé et Douala. L’originalité de cet ouvrage tient notamment à ce que ce sont le plus souvent les Africains eux-mêmes qui nous parlent de la microfinance. La dimension sociale est naturellement abordée. Mais avec le développement de plus en plus soutenu de la microfinance, la dimension financière est privilégiée. L’intégration des institutions dans le système financier fait l’objet de plusieurs contributions, tout comme l’évolution de cette nouvelle « industrie », du fait des besoins et des comportements de la clientèle, ainsi que des changements qui affectent le statut de certaines institutions.

Author: Michael O'Connor
Publisher: Springer
ISBN: 3030052613
Category : Business & Economics
Languages : en
Pages : 179

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Book Description
The book is a contemporary compilation of important research in the area of microfinance and financial inclusion. It explores a plurality of views and experiences from different parts of the world while linking a variety of international research backgrounds. Accordingly the book will fill a gap in providing a carefully curated cross-sectorial selection of topics relevant to the development finance research community primarily but also industry practitioners who are interested in keeping abreast of developing research. Benefits in this regard also include being able to provide a platform to less established researchers offering them a voice in published form.

Author: Pierre-Germain UMUHIRE
Publisher: Presses universitaires de Louvain
ISBN: 2875581988
Category : Business & Economics
Languages : en
Pages : 240

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Book Description
This dissertation endeavours to shed light on the paradox of the persistence of informal finance in urban African markets despite the emergence of a vibrant microfinance sector. To do so, it analyses the rationale of the financial choices of the micro-entrepreneurs operating in the markets of Ouagadougou (Burkina Faso). In particular, a careful examination of the motives driving the combinative use of informal and formal microfinance is carried. In order to lay deep theoretical foundations to this analysis, this thesis develops a model describing the financial behaviour of the micro-entrepreneurs in the presence of hyperbolic preferences and social influences. The solution of this model shows, inter alia, that the financial choices are not solely driven by economic motivations but also by social motivations. This result is confirmed by empirical observations which show, among other things, that social relations play an important role in explaining the persistence of informal finance. Besides, it appeared also that the combinative use of informal finance and microfinance can be explained, on the one side, by the fact that the motives driving the demand for informal and for formal finance are not always the same and, on the other side, by the fact that these two types of financial mechanisms are more likely to be used as complements than as substitutes. Ultimately, this thesis unfolds a new perspective for apprehending the coexistence of informal and formal microfinance. Informal finance is no longer considered as a makeshift, but as an integral part of the financial landscape of the Sub-Saharan urban financial markets. Therefore, microfinance institutions and policy makers ought to adopt a more positive and pro-active attitude vis-à-vis informal finance.

Author: Isabelle Guérin
Publisher: Routledge
ISBN: 1135047588
Category : Business & Economics
Languages : en
Pages : 369

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Book Description
Although microcredit programmes have long been considered efficient development tools, many forms of debt-induced distress have emerged in their wake. This has brought to light the problem of over-indebtedness, a topic which has been previously underexplored in the literature. This new book, from a group of leading scholars, explores the manifestations, scale, and economic and social implications of household over-indebtedness in areas conventionally considered as financially excluded. The book approaches debt not only as a financial transaction, but also as a form of social bond, and offers a socioeconomic analysis of over-indebtedness. The volume puts forward a broad definition of over-indebtedness, highlighting its situational and semantic complexity and diversity. It provides a close analysis of local conceptions of debt and over-indebtedness, highlighting frameworks of calculation and the constant renegotiation of their boundaries. On top of this, it looks far beyond microcredit to examine all the financial practices that individuals juggle. The volume argues that over-indebtedness has more to do with social inequalities than financial illiteracy, and should therefore be understood in the light of global trends of financialization. It also reveals the ambiguity of "financial inclusion" policies, and in many respects questions the actions of new credit providers. This book will be valuable reading for students, researchers and policy makers interested in microfinance and development issues.

Author: Irene Bono
Publisher: BRILL
ISBN: 9004349553
Category : Law
Languages : en
Pages : 353

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Book Description
Development as a Battlefield is an innovative exploration of the multidimensional meanings of – and interactions between – conflict and development. The two phenomena are all too often regarded as ostensibly antagonistic. This was exemplified again in the context of the Arab Spring that erupted in December 2010 and was eventually short-lived in several countries of the Middle-East and North-Africa (MENA) region. This volume – the 8th thematic issue of International Development Policy – is an invitation to reconsider and renew the way social scientists usually seek to make sense of socio-political and economic developments in the MENA region and beyond. Contributors include: Fariba Adelkhah, Yasmine Berriane, Irene Bono, Ayşe Buğra, Raphaëlle Chevrillon-Guibert, Anouck Gabriela Côrte réal-Pinto, Nadia Hachimi Alaoui, Béatrice Hibou, Adriana Kemp, Nora Lafi. Talia Margalit, Marie Vannetzel, Elena Vezzadini, and Merieme Yafout.

Author: Ugo Biggeri
Publisher: Taylor & Francis
ISBN: 1000935515
Category : Business & Economics
Languages : en
Pages : 276

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Book Description
The debate on connections between economic activity and socio-environmental impact has become increasingly relevant. As a result, ethical finance is emerging from its niche. However, the terms "ethical finance" and "sustainable finance" are often confused and overlapping, and the risk of greenwashing is high. Many authors suggest the need of a paradigm shift because the present economic system is no longer able to maintain a safe environment. Tim Jackson explicitly argues about the need of a future of "prosperity without growth". From the experiences of ethical finance, we can identify some interesting tools to achieve that goal. This book explains how ethical finance works and which innovations it has engendered in financial and economic systems; clarifies the links between finance and ethics, going beyond Environmental, Social and Governance (ESG) investing, and offers an approach, which is vital for most financial sectors, from microcredit to impact investing; investigates the goals, constraints, and opportunities of environmental and social considerations in finance and explores the more innovative experiences in banking and investing. It helps readers understand the phenomena in depth, distinguishing the strategic, managerial, organizational, and risk practices of ethical finance. The authors adopt a holistic but critical approach, both with respect to the practices exercised by financial intermediaries, and with reference to new regulatory aspects. The book identifies the key issues and current challenges of ethical finance, both for financial operators and regulators. Several concrete international cases offer empirical comparisons of practices, and as such it will be an invaluable reference for academics and researchers who wish to deepen their knowledge of ethical finance.

Author: Isabelle Guérin
Publisher: Bloomsbury Publishing
ISBN: 1783603763
Category : Business & Economics
Languages : en
Pages : 221

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Book Description
Microcredit programmes, long considered efficient development tools, now face unprecedented crises in a number of countries. Is this the end of microcredit or rather an essential step in its expansion? Should we stop microcredit altogether or rethink the way it is implemented? Drawing on extensive empirical research conducted in various parts of the world - from Morocco to Senegal to India - this important volume examines the whole chain of microcredit to provide the answers to these questions. In doing so, the authors highlight the diversity of crises, both in intensity and in nature, while also shedding light on a diversity of causes, be it microcredit organizations unprepared for massive growth, saturated local economies or greedy investors and shareholders attracted by profits. Crucially, the authors demonstrate that microcredit is not a monolithic project, and the crises should also be analysed in the light of national histories and policies. An original and necessary intervention in what has become one of the most contentious topics within the development world.

Author: Steven Scott MacDonald
Publisher:
ISBN: 9780324405880
Category : Bank management
Languages : en
Pages : 562

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Book Description
A bank's asset and liability management committee or risk management committee is responsible for the overall financial planning and management of the bank's profitability and risk profile. This book emphasizes how managers can develop strategies to maximize stockholders wealth by balancing the trade-off between banking risks and returns.

Author:
Publisher:
ISBN:
Category :
Languages : en
Pages : 122

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