viernes, 24 de octubre de 2008

¿Deben ser rentables los microcréditos?

PSD Blog nos trae un interesante debate celebrado en la Conferencia Mundial sobre Microfinanzas celebrada en Ginebra entre Mohammed Yunnus, premio Príncipe de Asturias y Nobel de la Paz, y Michael Chu, profesor de Harvard y ex-presidente de ACCION, sociedad de microfinanzas con ánimo de lucro a la que se encuentra asociada la rentable empresa mejicana Compartamos.

The debaters argued about whether commercialization (let's define it as the entry of investors whose primary motive is financial rather than social) is good for microfinance. Yunus thinks that it's immoral to make money off the poor, and that the only kinds of investors needed in microfinance are ones who are willing to accept very limited profits for the sake of keeping as much money as possible in the pockets of the borrowers. Michael thinks that we can't meet the worldwide demand for poor people's financial services unless we can draw in private, profit-oriented capital, and that eventual competition can be counted on to bring interest rates and profits down to consumer-friendly levels in most markets.

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