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Innovating Access to Credit
Published online by Cambridge University Press: 16 February 2021
One of the major problems in the world nowadays is the lack of access to financing for the lower classes, and in developing countries this issue also affects a big part of the middle class. In this chapter, we will analyze innovations that have been implemented in Latin America to help solve the problem of lack of financing in the population of scarce resources, and the companies or organizations behind these innovations. We study companies that are innovative not only in their business model, their group lending work, but also in their social commitment and their integral way of attacking the problem with education and other elements. Additionally, technology has played an important role in the innovation of microfinance institution mainly for the MOP. This chapter analyzes some of the most recent and innovative strategies that microfinancial organizations, dedicated mainly to the MOP population, have created to increase access to their services, and therefore, to improve the financial inclusion of this segment of the population.
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