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“From small credit to microfinance or how to develop financial diversity”

“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

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“From small credit to microfinance or how to develop financial diversity”

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  1. “From small credit to microfinance or how to develop financial diversity”

  2. 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)

  3. 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 The vicious circle ! = Process control system Low institutional risk Legitimacy through procedures Low output

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

  5. 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 ? Forms of Social Capital

  6. Rue de Cureghem, 41-43 B-1000 Brussels, Belgium Tel +32-(0)2-762 14 31 contact@sofi.be www.sofi.be sofimoney & banking for Society

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