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Revisión de mejores prácticas en modelos de negocio utilizados por entidades microfinancieras

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  • Prior, Francesc

    (IESE Business School)

  • Santoma, Javier

    () (IESE Business School)

Abstract

Este documento presenta tres modelos de negocio utilizados por entidades microfinancieras y que a nuestro entender son mejores prácticas en sus respectivos ámbitos de actuación. En primer lugar, el caso analizado de Banco Compartamos refleja un proceso de transformación exitosa de una organización no gubernamental sin ánimo de lucro en entidad bancaria. Adicionalmente, el éxito de su salida al mercado bursátil pone de manifiesto el interés de los inversiones de entidades microfinancieras, que como muestra Banco Compartamos, pueden ser extremadamente rentables. En segundo lugar, este trabajo presenta una revisión de los modelos organizativos utilizados en estrategias de downscaling por ACCION Internacional. Esta revisión muestra cómo el factor clave de éxito de las estrategias de downscaling es generar un modelo de negocio adapta al segmento empleando la infraestructura no utilizada del banco. Finalmente, el análisis del Grupo ProCredit muestra cómo el modelo de negocio denominado greenfield bank pretende crear instituciones que operen normalmente en el sistema financiero y bancario del país, creciendo con el desarrollo económico de sus clientes.

Suggested Citation

  • Prior, Francesc & Santoma, Javier, 2008. "Revisión de mejores prácticas en modelos de negocio utilizados por entidades microfinancieras," IESE Research Papers D/740, IESE Business School.
  • Handle: RePEc:ebg:iesewp:d-0740
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    References listed on IDEAS

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    Keywords

    entidades microfinancieras; sistema financiero; desarrollo económico;

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