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首页> 外文期刊>International Journal of Services Technology and Management >Microfinance in the South - from money processing to community building
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Microfinance in the South - from money processing to community building

机译：南方的小额信贷-从资金处理到社区建设

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This paper compares the results of two ethnographic studies on microfinance institutions (MFIs) of the South, the Grameen Bank (GB), Bangladesh, and the Khushhali Bank (KB), Pakistan. Information and communication technology (ICT) is considered to play a major supportive role for innovation in both MFIs which, nevertheless, approach them very differently. When discussing with KB management, GB was often mentioned as a best-practice example. Nevertheless, GB's focus on the field level is not followed in innovation strategies. Restricting 'microfinance technology' to the automation of payment-data management falls behind GB's understanding of microfinance as an ongoing recombination of financial, educational, community-building and empowering activities. The paper contributes to a better understanding of the specifics of work practices in MFI in developing countries - a domain which has not yet been thoroughly studied. The comparative analysis additionally reveals the impact of customer relationships on cooperative work and technological needs within banking organisations.
机译：本文比较了对南方小额信贷机构（MFI），孟加拉国的格莱en银行（GB）和巴基斯坦的库什哈里银行（KB）的两项人种学研究的结果。信息和通信技术（ICT）被认为在两个小额信贷机构中对创新起着主要的支持作用，尽管如此，它们在处理方法上却截然不同。在与KB管理进行讨论时，通常将GB作为最佳实践示例。尽管如此，创新策略并未遵循GB对现场水平的关注。将“小额信贷技术”限制为支付数据管理的自动化落后于GB对小额信贷的理解，因为小额信贷是金融，教育，社区建设和授权活动的不断重组。本文有助于更好地了解发展中国家小额信贷机构的工作实践的细节，这一领域尚未得到充分研究。比较分析还揭示了客户关系对银行组织内部合作工作和技术需求的影响。

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