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This chapter examines a series of credit and finance schemes that are primarily—but not exclusively—delivered by civil society organizations including microcredit, cash transfers, and asset-building schemes. It also examines financial literacy education and nascent financial empowerment programs. The chapter finds that civil society has been a major player in promoting everyday financialization through involvement in these schemes. This is achieved in a variety of ways, from a more holistic approach to microcredit to delivering educational programs that seek to enhance vulnerable people’s financial literacy. The impact of credit and finance schemes offered by civil society generally has a positive but limited economic impact on its participants. Given the civil society approach leads to modest benefits and seeks to control the risks of financialization, there is evidence that it makes a positive contribution toward participants’ economic position, and in some cases we see evidence that it builds their sense of human well-being. However, more work needs to be done particularly to understand how borrowers value (or not) the economic changes that they experience.
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- Credit, Cash, Savings, and Financial Literacy Delivered Through Civil Society
- Chapter 5
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