Tài liệu Sustainability and Outreach: the Goals of Microfinance

Thảo luận trong 'Quản Trị Kinh Doanh' bắt đầu bởi Thúy Viết Bài, 5/12/13.

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    4.1 Introduction
    The financial sustainability of microfinance projects and institutions
    consists mainly in finding a balance between the profit gained from the
    projects and the cost of carrying them out. This variable is taken into
    great consideration by MFIs, donors and investors who bring financial
    support to microfinance and the various stakeholders. In pursuing the
    goal of sustainability the conditions are created so that the results
    obtained may continue over time and, ultimately, so that the initiatives
    and institutions are self-sufficient from outside contributions. The sustainability
    of microfinance programmes is traditionally related to the
    social benefit that derives from them, usually meant, though not exclusively,
    as the ability to reach the poorest sector of the population. Such
    concept of ‘depth’ of intervention is called outreach in specialist
    terminology.
    The balance between lasting sustainability of microfinance projects
    and institutions, and the choice of beneficiaries and the products and
    services to offer, represents one of the most widely discussed dilemmas
    among microfinance academics and practitioners. This chapter will discuss,
    first, the definitions of sustainability and outreach, identifying the
    various meanings of these broad concepts. Then, with regard to the
    trade-off between sustainability and outreach, the main criteria to be
    considered when selecting beneficiaries will be outlined. The aim is to
    clarify whether, and in what way, working with especially poor customers
    could affect the offer of financial services in terms of sustainability.
    Finally, this chapter will propose a range of operating and management
    choices suitable for reconciling the aims of sustainability with those of
    outreach.
     

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