The Transferability of Financial Inclusion Models: A Process-Based Approach
研究提出一个基于过程的模型，分析小额金融模式在不同地区转移的初始阶段，通过巴西Palmas银行在圣保罗周边三家社区银行的长期实施案例，揭示地方条件、转移实践与发展后果的关联。
Although a number of microfinance initiatives have improved financial inclusion in various regions of developing countries, the transferability of their foundations from one context to another is still a challenge. This study proposes an innovative process-based model targeting the initial stages of the transfer process that links three interconnected categories: local contextual conditions, transferring practices, and initial developmental consequences. The results were produced through a longitudinal study of the implementation of three community development banks on the periphery of Sao Paulo based on a highly successful Brazilian model known as Banco Palmas. In addition to the process-based model, our findings contribute to the microfinance and bottom of the pyramid (BOP) literatures, showing a cross-fertilization that has been insufficiently explored.