Panorama de la bancarisation en France
Résumé
This working paper, written in French, aims to investigate the state of financial inclusion in France. It analyses the provision of financial services to people in poverty. Banks that handle the bulk of capital, including money invested in social projects, have many ways of participating in the microfinance market: downscale to offer direct services, lend to MFIs, invest in MFIs or find other ways to intervene, but which ones? We find that financial exclusion affects a large number of poor households: 1.17 million or 2.67 million inhabitants (out of 65 million). Credit revolving, in spite of its bad reputation, appears to be the commercial solution to financial exclusion. It shows non-negligible double-bottom line characteristics. Almost 90% of poor households that have revolving credit consider its subscription easy. This is comparable to the perception of all French households. For people excluded from credit revolving, MFIs are the alternative. Mainly work-related projects (find work, keep existing job) will be financed at interest rates similar to revolving credit. The personal approach and support will make the difference.
Cette étude a pour objectif d'investiguer et de présenter l'état de la bancarisation en France à travers l'offre de services financiers aux personnes en situation de précarité financière. Les banques qui gèrent le gros du capital disponible, y compris l'argent investi à but social, ont plusieurs moyens de participer au marché de la microfinance : descendre en gamme pour offrir directement les services, prêter aux IMF, investir dans le capital des IMF ou intervenir par d'autres moyens, mais lesquels?
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