The Localised Approaches of Social Microcredit, a First Analysis in “Pays-de-la-Loire”

Les proximités des microcrédits sociaux, une analyse en région Pays-de-la-Loire

Pascal Glemain, Emmanuel Biotteau, Elizabeth Poutier and Valérie Billaudeau ()
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Pascal Glemain: CIAPHS - Centre Interdisciplinaire d'Analyse des Processus Humains et Sociaux [Rennes] - UR2 - Université de Rennes 2

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Abstract: What contributions have the personal microcredit in the resolution, more or less partial, of territorialized economic and social problems ? The « social » microcredit is not the appropriate solution to any situations of poverty and to any disparities, far from it. However, it appears as an opportunity to think differently these disparities of access to financial services (monetary and banking). The microcredit can so prefigure new forms of territorialized solidarities, and a new kind of performance review for this particular "social banking" organizations. The economic and social innovation lies so much in the microcredit as a tool : as a united banking service that in the mechanisms of accompaniment of its beneficiaries. By this singular accompaniment, the microcredit offer becomes a real territorialized socioeconomic innovation, and a new way to produce socio-econnomic and local values.

Keywords: Social microcredit; Localised approaches; Performance review; Microcrédit social; Proximités; Performances; Territorialisation (search for similar items in EconPapers)
Date: 2014-03-30
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Published in Géographie, Économie, Société, 2014, 16 (1), pp.33 - 46. ⟨10.3166/ges.16.33-46⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-01892591

DOI: 10.3166/ges.16.33-46

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