1. Is profiting from lending to the poor an ethical business model? 2. Is for-profit microlending a...
Question:
1. Is profiting from lending to the poor an ethical business model?
2. Is for-profit microlending a way to reach more of the poor more effectively, or a mistaken development?
The growing trend of microloans is changing access to capital for extremely small business start-ups by individuals traditional bankers would view as “high risk” borrowers. What initially started as a small loan initiative with social implications is now becoming a for-profit niche market world-wide. The global debate issue here is whether lending to the poor via microfinance should be done with anot-for-profit model or a for-profit business model. Is lending to the poor inherently a charity operation? The recent trend following for-profit models has been a successful approach.
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1 Some may argue that making profit from the poor is inherent...View the full answer
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