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Sofi From small credit to microfinance or how to develop financial diversity.

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Presentation on theme: "Sofi From small credit to microfinance or how to develop financial diversity."— Presentation transcript:

1 sofi From small credit to microfinance or how to develop financial diversity

2 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

3 sofi The vicious circle ! Strong selection Control & process High cost (High risk) Stronger selection More control & process Loss of reputation Higher costs (increase of credit ceilings) Higher risk Lower outreach = Process control system Low institutional risk Legitimacy through procedures Low output

4 sofi The virtuous circle ? High access Open process High trust Low cost Low risk High (social) innovation = Outcome target system Legitimacy through efficiency High institutional uncertainty High (quality) output

5 sofi Forms of Social Capital Mutual Trust, Friendship, Dependencies, Beliefs, Values, Information, Know-how, Solidarity, Confidence anything that binds people to each other The Challenge: how to detect it, how to build on it, how to nurture it ?

6 sofi sofi money & banking for Society Rue de Cureghem, B-1000 Brussels, Belgium Tel +32-(0)


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