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The Transferability of Financial Inclusion Models: A Process-Based Approach

2017; SAGE Publishing; Volume: 58; Issue: 4 Linguagem: Inglês

10.1177/0007650317701227

1552-4205

Marlei Pozzebon, Tania Pereira Christopoulos, Frédéric Lavoie,

ICT in Developing Communities

Although a number of microfinance initiatives have improved financial inclusion in various regions of developing countries, the transferability of their foundations from one context to another is still a challenge. This study proposes an innovative process-based model targeting the initial stages of the transfer process that links three interconnected categories: local contextual conditions, transferring practices, and initial developmental consequences. The results were produced through a longitudinal study of the implementation of three community development banks on the periphery of Sao Paulo based on a highly successful Brazilian model known as Banco Palmas. In addition to the process-based model, our findings contribute to the microfinance and bottom of the pyramid (BOP) literatures, showing a cross-fertilization that has been insufficiently explored.