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This publication,
"Financial Exclusion and Community Upgrading"
explores the options for low income communities to
finance development projects through the private
market. Case studies demonstrate that even very low
income communities can afford to pay commercial bank
rates for upgrading and demonstrate low default
rates. Even so, the regulatory burden on commercial
banks, coupled with their unfamiliarity with
informal populations results in a "financial
exclusion" affecting low-income groups and
stagnating development opportunities. Governments
can play a role in devising incentive programs to
encourage banks to lend to low-income communities.
The book concludes with a specific proposal for
Guatemala where the commercial banks are currently
highly liquid and interested in opening new market
opportunities for low-income communities as clients.
 Read/download report:
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Cover
(1 page, 170
KB PDF) |
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Tabla de contenido, Prólogo, Presentación y
Introducción General
(8 pages, 44
KB PDF) |
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Introducción
(6 pages, 370
KB PDF) |
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La problemática habitacional, el desarrollo
comunitario y la exlcusión financiera en
guatemala
(12 pages, 421
KB PDF) |
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El mejoramiento habitacional y comunitario a
través del micro-crédito-experiencias en
guatemala, centro américa y los estados
unidos
(30 pages, 1.7
MB PDF) |
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La participación del sector privado en el
desarrollo comunitario y el papel del
gobierno
(10 pages, 222
KB PDF) |
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Superando la exclusión financiera para
fomentar la inversión privada en el
desarrollo comunitario - una
propuesta para guatemala
(21 pages, 1.6
MB PDF) |
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Conclusiones generales y Bibliografía
(3
pages, 13 KB PDF) |
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