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众所周知,贫困客户不仅仅需要融资来摆脱贫困,首先他们可能需要克服健康问题和营养不良,然后才可能考虑如何赚钱、是否开发新企业、采用哪种技术、在哪里销售产品、如何应对问题、如何按照多样化的需求来管理有限的现金资源、以及如何改善资产管理状况以实现更加安全或更大规模的投资。因此,理想的情况是,农村家庭能够获得相互协调的服务组合,以改善他们的健康、营养、家庭计划、教育和商业活动等。 长期以来,已经有许多发展机构为农村客户提供了小额信贷服务,同时也包括其他相关服务。但是,如果这些服务涉及到覆盖成本并保持财务可行性,发展机构就会面临如何利用非银行系统保持金融服务可持续运营等方面的问题。在实践层面,有许多采用“教育信用”模式的成功案例,其基于一个特定团体采用小额信贷的方法,为客户提供低成本教育服务的机会。近年来,一些商业企业在农村地区提供商业开发服务的兴趣逐渐增强,该领域的创新和经验也在不断增加。

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Estrategias de retención de Asesores/as de Crédito en organizaciones de finanzas populares Paper 2015

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El estudio identifica las estrategias de retención que implementan las organizaciones de finanzas populares que conforman la Red Financiera Rural con el fin de  garantizar la permanencia de sus asesores de crédito. La investigación fue descriptiva,  utilizó a cuatro organizaciones sin fines de lucro como universo de estudio y a 15 asesores/as de crédito como unidad de análisis. Para la recolección de información se utilizaron cuestionarios aplicados a las direcciones de talento humano al equipo de asesores de crédito cuya principal contraparte es en gran medida la población rural, para en base a ello identificar la existencia de estrategias de retención orientadas a este grupo, los elementos que las integran, así como las expectativas de los asesores/as de crédito en torno a la existencia y definición de estrategias de retención.

Author Vaca Espín, M. A.
Publisher Universidad de Belgrano
Number of Pages 134
Primary Language Spanish (es)
Region / Country Global, South America
Ecuador
Keywords Ecuador, Asesores de Crédito
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Case Study: The Return on Investment from Technoserve's Coffee Initiative Case Study 2015

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This Initiative for Smallholder Finance briefing is the ninth in a series about catalyzing smallholder finance. In our previous two briefing notes, we offered an overview of the anatomy of the market for agricultural technical assistance in developing countries and discussed the linkages between technical assistance and smallholder financing. Those briefings emphasized the importance of increasing coordination among actors to improve knowledge transfer, share best practices and lessons learned, and improve the quality of technical assistance delivery. 

In that spirit, this briefing offers a case study of a TechnoServe project aiming to increase incomes of smallholder coffee farmers in East Africa. Although the project was complex and produced many lessons to share, this briefing focuses in particular on the value of technical assistance to increase access to finance, crowd-in the private sector, achieve scale, and generate value for an industry. 

Author The Initiative for Smallholder Finance
Publisher The Initiative for Smallholder Finance
Number of Pages 10 p.
Primary Language English (en)
Region / Country Global
Keywords return on investment, Agricultural Finance, Agribusiness Finance, Access To Finance
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Technical Assistance for Smallholder Farmers: An Anatomy of the Market Brief 2014

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This Initiative for Smallholder Finance briefing is the seventh in a series about catalyzing smallholder finance, and presents an overview of the different forms of technical assistance for farmers in the developing world. Technical assistance is critical to smallholder financing because it is the nearest adjacent market and has complementary linkages to financing. A forthcoming briefing will discuss these linkages to financing in more detail. 

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