Abstract
Although the chosen and conventional approaches to tackling poverty and other millennium development goals (MDGs) are useful and necessary, they are not sufficient to address the challenge. Financial inclusion (FI) offers incremental and complementary solutions to tackle poverty, to promote inclusive development and to address the MDGs. This treatise is advanced in the following ways: (i) based on the FI-poverty reduction (PR)-MDG nexus, and supported by field research and related literature, the key pillars of FI are outlined; (ii) several international cases are discussed to extract lessons learned; and (iii) explanatory FI models are presented. Given the current global financial crisis, the need to scale-up FI efforts is now more imperative than at any other time in recent history. This paper also offers potentially useful approaches to planning, policy-making and programming in order to strengthen the FI-PR-MDG nexus.
Abstract
Bien que les approches conventionnelles concernant la réduction de la pauvreté, telles que formulées par les objectifs du millénaire pour développement (OMD), soient utiles et nécessaires, elles ne sont pas suffisantes pour relever le défi. L'intégration financière est une approche alternative offrant des solutions progressives et complémentaires, tout en favorisant un processus de développement intégré qui s'adresse directement aux OMD. Cet article en décrit les grandes lignes, en commençant par expliquer les principes de bases de l'intégration financière, ainsi que ses connexions avec la réduction de pauvreté et les OMD, et ceci en se basant sur des recherches de terrain ainsi que sur la littérature secondaire sur le sujet. Suit un exposé de plusieurs expériences internationales, afin de prendre en compte les aspects pratiques de l'approche, avant une troisième partie qui synthétise plusieurs modèles d'intégration financière. Etant donné la crise financière globale actuelle, la nécessité d'intégration financière est plus impérative que jamais. Cet article se termine en proposant plusieurs moyens possibles pour renforcer les liens entre l'intégration financière, la réduction de pauvreté, et les OMD par rapport à des processus de planification, de définition de politiques de développement, ainsi que de programmation.
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Chibba, M. Financial Inclusion, Poverty Reduction and the Millennium Development Goals. Eur J Dev Res 21, 213–230 (2009). https://doi.org/10.1057/ejdr.2008.17
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DOI: https://doi.org/10.1057/ejdr.2008.17