Is providing micro-credit social responsible?

Dalglish, Carol L. (2010) Is providing micro-credit social responsible? In British Academy of Management Conference : Management Research in a Changing Climate (BAM 2010), 14-16 September 2010, University of Sheffield, United Kingdom.

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Micro-finance, which includes micro-credit as one it its services, has become big business with a range of models – from those that operate on a strictly business basis to those who come from a philanthropic base, through Non Government organisations (NGOs). Success is often measured by the numbers involved and the repayment rates – which are very high, largely because of the lending models used.

The purpose of this paper is to identify whether the means used to deliver micro-credit services to the poor are socially responsible. This paper will explore the range of models currently used and propose a model that addresses some of the social responsibility issues that appear to plague delivery.

The model is being developed in Beira, the second largest city in Mozambique. Mozambique exhibits many of the characteristics found in other African countries, so the model, if successful, may have implications for other poor African nations.

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ID Code: 38968
Item Type: Conference Paper
Refereed: Yes
Keywords: Micro-credit , Social Responsiblity, Africa
Subjects: Australian and New Zealand Standard Research Classification > COMMERCE MANAGEMENT TOURISM AND SERVICES (150000) > BUSINESS AND MANAGEMENT (150300) > Entrepreneurship (150304)
Australian and New Zealand Standard Research Classification > COMMERCE MANAGEMENT TOURISM AND SERVICES (150000) > BUSINESS AND MANAGEMENT (150300) > Small Business Management (150314)
Divisions: Current > QUT Faculties and Divisions > QUT Business School
Current > Schools > School of Management
Copyright Owner: Copyright 2010 BAM.
Deposited On: 03 Dec 2010 00:21
Last Modified: 05 Jan 2011 14:01

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