Achieving family farmers' demands for microcredit through credit unions: A framework for discussion

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Abstract

Purpose: This study aims to analyze a model of credit union, which allows meeting demands of microcredit of family farmers in a responsible way, identifying the real needs of clients and promoting financial access. Originality/value: In recent years, the microfinance community has witnessed unwanted consequences of microcredit misuse. We present an original approach about the way credit unions may achieve their target in a responsible way, offering appropriate products, services and training to the entire community involved. Design/methodology/approach: Through secondary data and interviews with decision makers and credit union members, we studied the case of Cresol Baser, a large credit union in Brazil. We analyzed data based on inductive theorizing. First and second-order themes were identified, resulting in a procedural model, representing relationships between responsible microfinance factors. Findings: The three main dimensions in the model of inclusive microfinance - conditions, proximity, and access - were integrated in order to promote a dynamic that respects the assumption of a responsible financial inclusion with regards to design, offer and access of products and services related to microfinance.

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APA

Christopoulos, T. P., & Gonzalez, L. (2017). Achieving family farmers’ demands for microcredit through credit unions: A framework for discussion. Revista de Administracao Mackenzie, 18(5), 116–143. https://doi.org/10.1590/1678-69712017/administracao.v18n5p116-143

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