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Wither Participatory Banking? Experiences with Village Banks in South Africa

Author

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  • Gareth A Jones

    (London School of Economics.)

  • Anthea Dallimore

    (London School of Economics and Political Science.)

Abstract

La micro finance est largement considérée comme un instrument efficace pour réduire la pauvreté et permettre l’intégration sociale. La manière dont celle-ci doit être mise en œuvre a néanmoins donné lieu à de nombreux débats, par exemple entre ceux préconisant une approche minimaliste n’offrant qu’une aide financière et ceux qui défendent un modèle proposant une palette de services plus larges, ou bien encore entre ceux qui soutiennent les mérites d’une approche basée sur des relations de clientèle et ceux qui prônent un modèle associatif. Quelle que soit leur approche, de nombreuses études soulignent l’importance de la participation, de la question de l’« empowerment », ainsi que du soutien fourni par les organisations de la société civile à la micro finance. Cependant, peu d’études ont analysé la nature et la portée de la participation, ou son caractère démocratique. Dans cet article, nous étudions quatre communautés d’une banque villageoise en Afrique du Sud. Cette organisation a une structure associative qui met en avant la question de l’appropriation et du contrôle. L’article s’intéresse à l’expérience des membres en matière de participation et plus particulièrement à la transparence de l’organisation et au mode de résolution des conflits. Nous défendons l’idée que la micro finance peut être très attirante d’un point de vue normatif et symbolique pour ceux qui y participent mais que la participation est souvent limitée en pratique.European Journal of Development Research (2009) 21, 344–361. doi:10.1057/ejdr.2009.16; published online 23 April 2009

Suggested Citation

  • Gareth A Jones & Anthea Dallimore, 2009. "Wither Participatory Banking? Experiences with Village Banks in South Africa," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 21(3), pages 344-361, July.
  • Handle: RePEc:pal:eurjdr:v:21:y:2009:i:3:p:344-361
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