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2021-09-09 - Colloque/Présentation - communication orale - Anglais - 28 page(s)

Caballero-Montes Tristan , Godfroid Cécile , "To what extent is industry self-regulation applicable to microfinance ? The case of Tamfi" in VIII Congreso Internacional de Investigacion en Economia Social de Ciriec , San José, Costa Rica, 2021

  • Codes CREF : Economie des PVD (DI4375), Management (DI4360)
  • 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) As microfinance is likely to gain importance after the recent sanitary crisis, orienting microfinance institutions’ practices towards the achievement of their social mission is essential. Going beyond the usual dichotomous “government-or-market” view, we examine the intervention of another fundamental actor: microfinance associations (MFAs). MFAs are member-controlled organizations gathering individual microfinance institutions under a common umbrella to promote the interests of the sector. By creating or joining a MFA, member organizations pool or manage resources to collectively influence their practices and to pursue shared interests. Yet, just like in other sectors, MFAs have often encountered major obstacles undermining their roles and contributions. Based on exploratory qualitative interviews that we conducted at the Tanzanian Microfinance Association, we propose to study MFAs through the lens of the institutional design principles identified by Ostrom in her contribution to the theory of the commons. We investigate what can be learned from this increasingly flourishing theory by mobilizing it as an analysis grid, with a view to identify the main reasons behind free riding among members and potential obstacles to the “ideal” management of a MFA. Doing so, we also provide a theoretical contribution suggesting the main questions to be asked by MFAs, and their interdependencies.