La stratégie nationale d’inclusion financière péruvienne. Capacitation des clientèles vulnérables et exclusion du développement productif

This article examines a key segment of Peru?s national financial inclusion strategy: initiatives targeting so-called vulnerable populations, i.e. the poor inhabitants of rural areas. It focuses on the tangle of actors, logics and intervention tools which has emerged in Peru to implement bankarization, that is to say to increase the access and the use of financial services among these populations. It argues that this tangle has stabilized, forming specific structures, which prioritize certain intervention tools and open opportunities for certain types of institutions and practices in microfinance. These emerging structures are organized to promote commercial, minimalist microfinance which produces financial consumers first and foremost, thus excluding more holistic approaches intent on fostering productive abilities among vulnerable populations.