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2019-11-14 - Colloque/Présentation - communication orale - Anglais - 34 page(s)

Caballero-Montes Tristan , "To What Extent Is Industry Self-Regulation Applicable to Microfinance? The Case of TAMFI in Tanzania" in Fourth Inclusive and Sustainable Finance Research Conference , Luxembourg, Luxembourg, 2019

  • Codes CREF : Economie des PVD (DI4375)
  • Unités de recherche UMONS : Economie et gestion de l'entreprise (W742)
  • Instituts UMONS : Institut de Recherche en Développement Humain et des Organisations (HumanOrg)
  • Centres UMONS : Microfinance (CERMI)

Abstract(s) :

(Anglais) Given the harsh debates shaking nowadays microfinance and including legitimacy concerns and risks of mission drift, questioning the classical regulatory choice between the traditional “command and control” or “laissez-faire” of market competition seems now a necessity. This research seeks to shed some light on the potential interest of industry self-regulation in microfinance, namely the association of microfinance institutions through an industry-level organization to control their collective action, and the conditions for it to be efficient. Based on a qualitative fieldwork carried out during a 3-month stay in Tanzania in 2019, we studied the case of TAMFI, the Tanzania Association of Microfinance Institutions. Our results show the identification of tensions at different levels, including the organization, the association and the industry. We argue that these tensions may eventually prevent a microfinance association to play a relevant and efficient self-regulatory role in a local microfinance industry.