Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/59312 
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dc.contributor.authorStröh de Martínez, Christianeen
dc.date.accessioned2012-06-22-
dc.date.accessioned2012-06-22T11:33:41Z-
dc.date.available2012-06-22T11:33:41Z-
dc.date.issued2011-
dc.identifier.urihttp://hdl.handle.net/10419/59312-
dc.description.abstractThe paper adds to the debate on how far microfinance can contribute to poverty reduction and development. The recent controversial discussion about microfinance as a development instrument is taken as a starting point. The paper starts with the hypothesis that the prevalent notions and assumptions about the users of microfinance are behind the controversies. Hence, after an analysis of common concepts about microfinance clients and their usage of financial services, a different theoretical frame is presented. From a social science perspective, the frame builds on the distinction of different modes of production within societies and economies as proposed by Structural Heterogeneity. This leads to a different understanding of microenterprises within a family-led mode of production, which is further developed in the light of Schumpeter's analysis of economic development. The proposed theoretical approach is linked to recent empirical research on microfinance users, especially Financial Diary research. From this analysis, a new theoretical conception of the demand side of microfinance emerges. It stresses the relevance of considering different socioeconomic formations people live and work in. For the important family-led mode of production, typical usage patterns point to the need for convenient, flexible, multi-purpose financial management services.en
dc.language.isoengen
dc.publisher|aHochschule für Wirtschaft und Recht Berlin, Institute for International Political Economy (IPE) |cBerlinen
dc.relation.ispartofseries|aWorking Paper |x10/2011en
dc.subject.ddc330en
dc.subject.keywordMicrofinanceen
dc.subject.keywordStructural Heterogeneityen
dc.subject.keywordfamily-firmsen
dc.subject.keywordaccess to financeen
dc.subject.keywordpoverty reductionen
dc.titleFinance for the poor in demand: Who uses microfinance and why?-
dc.typeWorking Paperen
dc.identifier.ppn718105737en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen
dc.identifier.repecRePEc:zbw:ipewps:102011en

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