From Microcredit to Microsavings: the Dilemma of Microfinance as a Financial Inclusion Tool
Aragón, Edgar (2017-07), From Microcredit to Microsavings: the Dilemma of Microfinance as a Financial Inclusion Tool. https://basepub.dauphine.fr/handle/123456789/17818
TypeDocument de travail / Working paper
Series titleNOPOOR Working Paper
MetadataShow full item record
Tecnológico de Monterrey
Abstract (EN)Microfinance has been widely discussed in the literature as a tool to increase financial inclusion for the poor. As a late comer in the microfinance world, Mexico is facing several policy dilemmas in the process of catching up with the rest of the world. They include: (i) setting up legislation which promotes the formal economy and protection for financial consumers; (ii) creating bank accounts for participants of cash-transfer social programs; (iii) dealing with innovative but disruptive business models of private actors; and (iv) making the market for mobile banking and digital money a tool that promotes financial inclusion. All of which is occurring within the context of recent anti money-laundering measurements across the financial sector. This case looks more specifically into the savings component of microfinance, identifying key actors, current trends, and policy actions. Can microsavings increase financial inclusion?
Subjects / KeywordsMicrofinance; Mexico
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