Strategic Alliances to Scale Up Financial Services in Rural Areas
World Bank, Jan 1, 2006 - Business & Economics - 41 pages
Business firms have employed strategic alliances with other firms to effectively manage costs, overcome resource and technology constraints, and enhance competitive position. The principle and practice of strategic alliances can be applied as well for productive and beneficial institutional collaborations in rural financial markets to expand the array of financial products and to scale up access of rural households and micro-businesses to financial services. Strategic alliances comprise a new theme in rural finance. The institutions in the study used strategic alliances to tap new capital resources, manage transaction costs, access banking technology and infrastructure and acquire new skills to provide an expanding array of financial services to wider markets. The authors carefully examine the experiences of selected rural finance institutions and their strategic allies or development partners in Guatemala, the Philippines, Ghana and India to draw out the main findings and share the lessons that may be gainfully applied in other country settings.
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Applying the Framework to Alliances and Partnerships in Rural Finance
Main Findings of the Study
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access to financial ACCION International achieved agricultural alliances and development alliances in rural apex institutions AusAid BancaSol Bank of San BASIX branch network CDRO and Banrural cial client base collaboration commercial banks commercially-driven constraints cooperative countries credit line credit unions delivery development organizations development partnerships FENACOAC financial institutions financial products financial resources financial services FINCA International formal financial institutions formal sector banks funds Genesis Empresarial Ghana GLICO goals Guatemala infrastructure insurance companies insurance products international remittances loan portfolio manage transaction costs market areas MFIs microfinance institutions micronnance million money transfer MoneyGram non-bank NRBSL operations Opportunity International organizational partners percent Philippines postal financial networks products and services recipients relationships RFIs risk rural areas Rural Bank rural finance institution rural financial markets rural households rural markets San Leonardo scale up access sendces services in rural strategic objectives structuring strategic alliances technical assistance village banking WOCCU World Bank