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Commercialisation de la microfinance: une expérience basée sur le modèle Grameen Bank aux Philippines

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  • Seibel, Hans Dieter
  • Felloni, Fabrizio

Abstract

Cet article présente un exemple de commercialisation de la microfinance aux Philippines, sous l’égide d’un projet de reproduction de l’approche « Grameen Bank ». Selon l’idée initiale du projet, de modestes prêts devaient être fournis aux foyers les plus pauvres par des ONG et des coopératives. Finalement, ce sont de petites banques privées qui sont devenues les principaux partenaires du projet. Ces banques rurales s’étaient rendu compte que des services financiers pouvaient être octroyés aux foyers pauvres sur des bases commerciales. Elles ont mené par la suite une rapide extension, tout en offrant aux clients pauvres un accès à toute une gamme de produits financiers (prêts, épargne, assurance). Cette incursion des banques n’a pas provoqué de « dérive » vers les clients non-pauvres ; bien au contraire, alors qu’en règle générale les clients des institutions de microfinance bénéficient de prestations de services financiers, les clients des banques ont eu l’avantage de se voir offrir des services additionnels. Les banques ont proposé des coûts unitaires de services financiers plus faibles, mais pas de taux d’intérêt significativement plus bas que les autres IMF impliquées dans le projet.

Suggested Citation

  • Seibel, Hans Dieter & Felloni, Fabrizio, 2003. "Commercialisation de la microfinance: une expérience basée sur le modèle Grameen Bank aux Philippines," Working Papers 2003,2b, University of Cologne, Development Research Center.
    • Handle: RePEc:zbw:uocaef:20032b
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    References listed on IDEAS

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    1. Zeller, Manfred & Meyer, Richard L., 2002. "The triangle of microfinance: financial sustainability, outreach, and impact," Food policy statements 40, International Food Policy Research Institute (IFPRI).
    2. Marguerite S. Robinson, 2001. "The Microfinance Revolution," World Bank Publications - Books, The World Bank Group, number 28956.
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