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Microfinance phần 5

Trong những năm gần đây, tài chính vi mô đã thực hiện trên các khái niệm về tín dụng vi mô. Cuộc chiến chống đói nghèo cùng cực đã trở thành một phần của một mục tiêu rộng lớn hơn trong cuộc chiến chống lại loại trừ tài chính. Các đối tượng được hưởng hỗ trợ không còn chỉ | 4 Sustainability and Outreach the Goals of Microfinance Gianfranco Vento 4.1 Introduction The financial sustainability ofmicrofinanceprojccts andinstitutions consists mainly in finding a balance between the profit gained from the projects and the cost of carryingthem out.This variable is taken into great consideration by MFIs donors and investors who bring financial support to microfinance and the various stakeholders. In pursuing the goal of sustainability the conditions are created so that the results obtained may continue over time and ultimately so that the initiatives and institutions are self-sufficient from outside contributions. The sustainability of microfinance programmesistraditionally related to the social benefit that derives from them usually meant though not exclusively as the ability to reach the poorest sector of the population. Such concept of depth of imertsolioti as calleO osttrcach ill specialist terminology. The balance between lastingsustaioability sSmltrofinanscprojects and institutions and the choioeatbeneficiarlaseopthcplehuees soot services to offer represents one el tfe moet widaiy dlecustsc dlisrnmes among microfinance academisslnOptactitipsclriOhitehaptee wcn dill cuss first the definitions of su ctt ca ri scO eutreach idtntifying ths various meanings of these boeacleonpcsls. TlKSiiWilbipgardO tlie trade-off between sustainabilits andoutroach the maincriteela toOo considered when selecting beneficlaeieowillbe putlined.The aimia lo clarify whether and in what wcy woafnn aoeh sapecialie cosc customers could affect the offer of financisltervices in terms of sustainability. Finally this chapter will proposeeaongecto eatsliiicand rnanooomcne choices suitable for reconciling theaimiatcus lamobeii iy with ta osa af outreach. a4 Sustainability and Outreach the Goals of Microfinance 55 4.2 Sustainability and outreach In microfinance sustainability is understood primarily as the ability of MFIs to repeat loans over time substantial financial .