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Introducing a new direction for microenterprise finance, contributors argue that one can create sustainable and viable financial institutions that give the poor greater access to financial services. Covering Asia, Africa, and Latin America, the cases outline successful programs such as: the Bank Rakyat Indonesia (BRI); BancoSol in Bolivia; the Association of Solidarity Groups in Colombia; and the Kenya Rural Enterprise Programme.
Social service agencies in the United Kingdom are increasingly under pressure to provide personalized care, even as the larger climate of austerity puts pressure on their resources. Increasingly, this means that community-based organizations of five or fewer staff members--known as microenterprises--are being asked to handle work that was formerly the province of much larger providers. In part, this is rooted in the assumption that small organizations can be more innovative and responsive. This book tests that assumption, analyzing the work of care organizations with a specific focus on size and how it affects personalization and the quality of care.
This book's prime audience is government policy-makers. It provides a policy framework for governments to increase micro, small and medium enterprises' access to financial services?one which is based on empirical evidence from around the world. Financial sector policies in many developing countries often work against the ability of commercial financial institutions to serve this market segment, albeit, often unintentionally. The framework guides governments on how to best focus scarce resources on three things: ? developing an inclusive financial sector policy; ? building healthy financial ins
Entrepreneurship plays an exceptional role in the development of economies and is a vital source of change in all aspects of society. This book tries to facilitate a fundamental rethinking of entrepreneurial activity and how it is manifested. It addresses a critical shortcoming in much of the research, education, and economic development work that deals with entrepreneurship. Instead of the general theories of entrepreneurship, the book lays a foundation for developing theories of different kinds of entrepreneurial ventures. As the reader navigates these pages, he or she should hopefully broaden their entrepreneurial landscape and identify critical factors that drive contemporary entrepreneurship.
Microenterprises - very small businesses consisting of a single self-employed person, a family, or at the most a few employees - are the main source of livelihood of up to half of the population of most developing countries. In the past this vital sector, often referred to also as the informal sector, has received inadequate attention, but increasingly multilateral and bilateral agencies and non-governmental organizations are searching for ways to help improve the effectiveness of these microenterprise operations and to enable them to make a greater contribution to the development of the third world and to the general efforts to enhance incomes and raise living standards.This collection of sixteen papers by experts with considerable experience in the field emanates from the International Conference on Microenterprises held in Washington DC, USA, sponsored by the Committee of Donor Agencies for Small Enterprise Development on 6-9 June 1988. It is organized according to the major issues relating to the subject: the structure of the microenterprise sector, government policies towards microenterprises, informal credit markets, financial and technical services, institutional aspects and a review of the experience of assistance projects. This publication should be of great interest and value to all concerned in increasing assistance to the development of microenterprises in developing countries.
Entrepreneurship is a powerful attitude that, in such a way, in the last few years, has become a discipline increasingly transversal to different areas of knowledge. Many times, we think about the things we want such as a good house, a brand new car, a beautiful relationship, a good friendship, and a good way to be in the world. Is that possible that you convert into an entrepreneur? This book shows some examples of that possibility, from simple people to a big organization. In all cases, if you become an entrepreneur, it will be for your taste and pleasure, a means to survive and enjoy the uncertainty, and rejoice that you have all these in your hands and will. Can you find out the trends and overcome the challenges? We would say yes. It all depends on whether you want to develop and apply this attitude.
Microenterprises play an important role in sub Saharan Africa. They account for a sizeable portion of the economy, by providing employment and a means of livelihood for much of the nonagricultural population. This paper is the result of a survey of the literature and extensive discussions with practicioners and its primary focus is a direct approach in support of microenterprises. Perhaps the simplest objective to pursue is access to credit. The main lesson from experimentation in this field is that the poor are bankable and and can be served relatively inexpensively, provided nontraditional lending methods are utilized (e.g. group lending). Technical assistance and support services can also be provided to help first-time entrepreneurs set up their own businesses, to assist microenterprises in their daily business, or to help them graduate to a larger size. The task of assisting microenterprises requires small, flexible, and responsive organizations, with sufficient autonomy to make ad hoc decisions, yet with adequate coordination at the national level. Such organizations include PVOs, NGOs, cooperatives, banks, business associations, churches and women's groups. The report recommends that capacity building be incorporated as a specific objective of microenterprise support programs and should be budgeted for. Shifting the focus of assistance from beneficiaries to support institutions is an effective way of reaching the most marginal groups.