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Microfinance 2.0 : can a crowdfunded model save microfinance?

Persson, Andre LU (2013) MRSK60 20122
Human Rights Studies
Abstract (Swedish)
Mikrolån och mikrofinanser har haft stor spridning sedan de först introducerades för cirka 30 år sedan. Många har sett detta som en stor succee och som ett viktigt steg i utrotningen av fattigdomen. Det har dock höjts kritiska röster mot att mikrofinanser och den ökade kommersialiseringen av mikrolån har skapat negativa konsekvenser. Parallellt med detta så har internettekniken utvecklats och numera finns det en uppsjö av organisationer som använder internet och crowdsourcing för att ge mikrolån. Vad jag har gjort i denna uppsats är att de på tre av dess organisationer, Kiva, Vittana och Zafen, och ser huruvida de kan vara ett alternativ till de kommersialiserade organisationerna och om de kan agera som ett filter mot de negativa... (More)
Mikrolån och mikrofinanser har haft stor spridning sedan de först introducerades för cirka 30 år sedan. Många har sett detta som en stor succee och som ett viktigt steg i utrotningen av fattigdomen. Det har dock höjts kritiska röster mot att mikrofinanser och den ökade kommersialiseringen av mikrolån har skapat negativa konsekvenser. Parallellt med detta så har internettekniken utvecklats och numera finns det en uppsjö av organisationer som använder internet och crowdsourcing för att ge mikrolån. Vad jag har gjort i denna uppsats är att de på tre av dess organisationer, Kiva, Vittana och Zafen, och ser huruvida de kan vara ett alternativ till de kommersialiserade organisationerna och om de kan agera som ett filter mot de negativa konsekvenser den fört med sig. Jag har avänt mig av Amartya Sens kapacitetsteori för att utvärdera huruvida de kan ha ett positivt inflytande på kapacitetsbyggande utveckling. (Less)
Abstract
Microfinance has spread rapidly in the last thirty years and the wealth of microfinance organizations has increased rapidly. According to some this has been a major success and a breakthrough in poverty eradication, but other researchers has pointed to the low levels of actual development created by microfinance and to the potential of very negative side effects. These effects has according to many critics come as a result of the increased commercialization of microfinance.
Along with the development of the internet the organizations utilizing the possibilities it brings has been many and in recent years organizations doing microfinance through crowdfunding has increased manifolds. Their aim in explicitly charitable.
My intention in... (More)
Microfinance has spread rapidly in the last thirty years and the wealth of microfinance organizations has increased rapidly. According to some this has been a major success and a breakthrough in poverty eradication, but other researchers has pointed to the low levels of actual development created by microfinance and to the potential of very negative side effects. These effects has according to many critics come as a result of the increased commercialization of microfinance.
Along with the development of the internet the organizations utilizing the possibilities it brings has been many and in recent years organizations doing microfinance through crowdfunding has increased manifolds. Their aim in explicitly charitable.
My intention in this essay is to look at three organizations that use a crowdfunded microfinance model and to see whether they can mitigate some of the problems that the criticizers of microfinance point at. (Less)
Please use this url to cite or link to this publication:
author
Persson, Andre LU
supervisor
organization
course
MRSK60 20122
year
type
M2 - Bachelor Degree
subject
keywords
Microfinance, crowdfunding, crowdsourcing, economic development, development aid, human rights
language
English
id
3359658
date added to LUP
2013-02-26 11:11:27
date last changed
2014-09-04 08:27:37
@misc{3359658,
  abstract     = {Microfinance has spread rapidly in the last thirty years and the wealth of microfinance organizations has increased rapidly. According to some this has been a major success and a breakthrough in poverty eradication, but other researchers has pointed to the low levels of actual development created by microfinance and to the potential of very negative side effects. These effects has according to many critics come as a result of the increased commercialization of microfinance. 
Along with the development of the internet the organizations utilizing the possibilities it brings has been many and in recent years organizations doing microfinance through crowdfunding has increased manifolds. Their aim in explicitly charitable. 
My intention in this essay is to look at three organizations that use a crowdfunded microfinance model and to see whether they can mitigate some of the problems that the criticizers of microfinance point at.},
  author       = {Persson, Andre},
  keyword      = {Microfinance,crowdfunding,crowdsourcing,economic development,development aid,human rights},
  language     = {eng},
  note         = {Student Paper},
  title        = {Microfinance 2.0 : can a crowdfunded model save microfinance?},
  year         = {2013},
}