A socially responsible model of micro-credit delivery to support sustainable community development in emerging economies

Dalglish, Carol L. & Tonelli, Marcello (2011) A socially responsible model of micro-credit delivery to support sustainable community development in emerging economies. In Social Entrepreneurship Research Forum, 23 – 25 June 2011, Melbourne Business School, Melbourne, Vic.

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Micro-finance, which includes micro-credit as one of its core services, has become an important component of a range of business models – from those that operate on a strictly economic basis to those that come from a philanthropic base, through Non Government Organisations (NGOs). Its success is often measured by the number of loans issued, their size, and the repayment rates. This paper has a dual purpose: to identify whether the models currently used to deliver micro-credit services to the poor are socially responsible and to suggest a new model of delivery that addresses some of the social responsibility issues, while supporting community development. The proposed model is currently being implemented 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 as well as other developing economies.

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ID Code: 41903
Item Type: Conference Paper
Refereed: Yes
Keywords: Micro-credit Delivery, Sustainable Community Development , Emerging Economies
Subjects: Australian and New Zealand Standard Research Classification > COMMERCE MANAGEMENT TOURISM AND SERVICES (150000) > BUSINESS AND MANAGEMENT (150300) > Entrepreneurship (150304)
Divisions: Current > Research Centres > Australian Centre for Entrepreneurship
Current > QUT Faculties and Divisions > QUT Business School
Current > Schools > School of Management
Copyright Owner: Copyright 2011 [please consult the authors]
Deposited On: 06 Jun 2011 23:51
Last Modified: 09 Jun 2011 22:56

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