Microfinance

Microfinance: From donation to investment. Conferencia de Tomás Gutiérrez y Marcela Torres sobre el tema. Algunas quotes interesantes a continuación:

• If you educate a man, you educate a person. If you educate a woman, you educate a family. Women multiplying effect. Ghandi.
• Help poor families help themselves to overcome poverty.
• The lending process: contact with the client, visti to the microbusiness, credit comittee, second visite for disbursement, follow-up.
• Lessons: People know the solution to their problems, they just need the opportunity; if you give a person more than what she needs, you can cause great harm; follow-up is crucial; credit process and method should adapt to the business needs; mena are also good clients.
• Challenges: Adapt business model to client´s needs, funding, technology, distribution, impact measurement, train credit analysts.
• Quoting Yunus: This is a business that is not face to face but side to side".
• A few links: Kiva (Loans that changes lives), Mix (Microfinance Information Exchange, Inc), MIcroRate (The Rating Agency for Microfinance), Grameen Foundation, Compartamos, The Think Tank of the Deutsche Bank Group.

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