Chronicle of a failure foretold: the challenge of rural areas for micro-finance, through a case study in Ecuador[Research paper] by Caroline Charhon

2011-08-18

The author was part of the “Alternative Management” third year program in HEC in 2010. In order to write this research paper, Caroline Charhon stayed three months at the University of FLACSO, in Ecuador, in 2010. She studied there the reasons for the failure of a product of micro-finance, that was supposed to help rural producers.

In the last couple of years, micro-finance has been subject to growing critics regarding its efficiency and its ability to reach its goals of poverty alleviation. In this research essay, we intend to think about one of the main challenges for micro-finance today: the rural areas. Through the study of an innovative project of microcredit designed for rural areas in Ecuador that failed, we aim at understanding whether it is possible for micro-finance to address rural areas and, if so, analysing in depth mechanisms that determine success or not of a project of rural finance.

Quote article  Caroline Charhon, « Chronicle of a failure foretold: the challenge of rural areas for micro-finance, through a case study in Ecuador », 18 august 2011, Alternative Management Observatory (AMO), [Research paper]
http://appli6.hec.fr/amo/Articles/Entry/Item/213.sls

In the same section

Le Nord perdu - Repères pour l’après-développement / The Lost North. Landmarks for a post-development era - by Gilbert Rist, Majid Rahnema and Gustavo Esteva

[Reading report]

[Reading report] : Maëlle Bouquet

This book focuses on debates and reflections of intellectuals from developing countries about the issue of development. The developmentalist model dictated by the North is challenged and must reach its end to let developing countries build their own model.

>>Read more

The professional choice of creating a useful company - by Olivier Fleckinger

[Proceedings]

[Proceedings] : Olivier Fleckinger

This summary introduces the career pathway of Olivier Fleckinger, an HEC 2004 alumnus and co-founder of software company, whose aim is to help to raise funds for causes. Even if he doesn’t design himself as a “social entrepreneur”, we can grant him the title of “useful entrepreneur”. This...

>>Read more

The Shale Gas Mirage - by Thomas Porcher

[Reading report]

[Reading report] : Elsa Walwer

At the heart of the shale gas debate, Thomas Porcher delivers a study about the consequences of French shale gas reserves exploitation, from an economical perspective. Stemming from the French legal and economic specificities, he exposes and dismantles the arguments put forward by pro-shale gas...

>>Read more

Complementary currencies: study of the Occitan in Pézenas

[Research paper]

[Research paper] : Olivier Torrente

Complementary currencies, exchange tools parallel to official currencies and covering a large domain of initiatives, have been growing for the last decades. The development of Internet and the virtual currencies in online video games have made mmore popular this phenomenon, which dates back to...

>>Read more

Challenges and issues in partnerships between public donors and foundations to support social business development in Southern countries

[Research paper]

[Research paper] : Manon Le Bourdiec

Although supporting social business has largely been recognized as one of the main challenges for development assistance actors, social business experience difficulties in developing themselves, suffering from missing help, infrastructure and useful financial support. In the current context of...

>>Read more

With the same doctype

Research paper

Risk generation: how ans why protest... This thesis considers the Risk... by Pierre-Antoine Chiarelli
The impact of mutualist values on forms... This study deals with the management of... by Adrien Couret
« Participando, articulando,... This research is a socio ethnographic... by Luis Emilio Cuenca Botey
French higher education towards equal... Whereas social inequalities of access... by Nicolas Charles
The Army and the social and... This essay focuses on the contribution... by Maëlle Bouquet
The benefits of deliberative democracy... In times of political despair, when... by Roman Baudin
Complementary currencies: study of the... Complementary currencies, exchange... by Olivier Torrente
Is the motivation at work of young... The nature of executives' work has... by Sébastien Stenger.
Measuring public hospitals' performance... French public hospitals have recently... by Hervé Merlin and Clémence Marty
Alleviating poverty through profits.... As today's rich get richer, today's... by Lorraine Gérard