Achieving family farmers’ demands for microcredit through credit unionsa framework for discussion

Resumo

Purpose: This study aims to analyze a model of credit union, which allows meeting demands of microcredit of family farmers in a responsible way, identifying the real needs of clients and promoting financial access.Originality/value: In recent years, the microfinance community has witnessed unwanted consequences of microcredit misuse. We present an original approach about the way credit unions may achieve their target in a responsible way, offering appropriate products, services and training to the entire community involved.Design/methodology/approach: Through secondary data and interviews with decision makers and credit union members, we studied the case of Cresol Baser, a large credit union in Brazil. We analyzed data based on inductive theorizing. First and second-order themes were identified, resulting in a procedural model, representing relationships between responsible microfinance factors.Findings: The three main dimensions in the model of inclusive microfinance - conditions, proximity, and access - were integrated in order to promote a dynamic that respects the assumption of a responsible financial inclusion with regards to design, offer and access of products and services related to microfinance.

Ficha do documento

Tipo

Artigo científico

Ano

2017

Instituição

Universidade Presbiteriana Mackenzie

Fonte

Repositório da FGV

Idioma

Inglês

Acesso

Acesso aberto

DOI

10.1590/1678-69712017/administracao.v18n5p116-143

Identificador

oai:repositorio.fgv.br:10438/20994

Palavras-chave

Responsible microfinanceCredit unionMicrocredit demandsProximityFamily farmersAdministração de empresasAgricultura familiarMicrofinanças