Trends Of Microfinance In The Current Social And Financial Inclusion (Ii)

Increasingly more we are concerned about a real problem the indebtedness of the population, the lending capacity of financial institutions and increasing alarming number of people non bankable, and the social and economic gap between the welfare of the rural population in European countries developed in Romania. This was always a big problem, but after 1990 the number in poverty increased relative and absolute alarming far about 5.6 million people according to the latest reports of the National Statistics Institute. The articles is based on this reality and try to synthesize the ideas of those who tops the rural society and are able to create financing models that will contribute to creating systemic solutions to this state of decline. With the integration into the European Union, Romanian authorities must submit new principles and rules to adapt Romanian legislation with EU legislation, especially in the current context of social and financial inclusion. At present digitization trend of the financial sector has a major impact on financial institutions and non - banking. Creating new models for banking (networks of external agents, banks with branch network), new opportunities for customer access and management of back-office are just some of the challenges microfinance sector, the sector that is in a continuous process innovation and adaptation.