Microcredits online dating
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Moreover, the book uses extensive household survey data to address how the gender of participants affects the impact of microcredit programs.
The European Microfinance Platform (e-MFP) with over 130 members is the leading network of European organisations and individuals active in the microfinance/financial inclusion sector in developing countries.
This means that microfinance is about social and financial inclusion as well as entrepreneurship and economic growth.
For this reason, the EU’s microcredit providers get public funding and guarantees from a wide range of official EU and national sources, in addition to private funding.
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Some examples include Fair Finance in the UK, the Instituto de Crédito y Finanzas Región de Murcia in Spain, or the Association pour le Droit à l’Initiative Economique/ADIE in France (see this list for examples in more countries).
They include a few banks, such as Erste in Austria, but most commercial banks tend either to avoid the sector, invest equity in it, or engage in it as a sideline, hoping to develop profitable customers for the future.
They provide credit as a public good because their mandate requires it and, as recent numbers show, it is a fast growing sector.
The EU has been running programmes to develop microcredits since 2003, typically providing funding and loan guarantees to qualifying microcredit providers as well as technical support.
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In the EU, microfinance has a different, technical meaning and refers to loans of less than EUR 25,000 issued mainly to small businesses and social entrepreneurs.