Cooperative Pro - Rural (for the village - Pro-Rural) Bolivian however, designed a new prototype of

Muhammad Yunus, an economics professor from Bangladesh, was a Nobel Peace Prize for 2006. Yunus founded the Grameen Bank (Grameen - "rural" in Bengali) with initial equity of 27 dollars. He began to lend to the rural population in Bangladesh smaller loans, without requiring any collateral. Loans of $ 2 times. And these loans have changed the lives of the people who received them, forever.
With such tiny loans to people who can start a small business. Grocery store, cell phone service villagers bicycle to bring the produce to the market, and more. Following the success of Grameen volume weight Bank, these institutions were founded in other countries, with invested capital comes from various sources, foreign aid often the consumer world, volume weight a "Do not give them fish, let them wait and teach them to fish."
Since then, Grameen Bank into trouble. There were many cases of people who were unable to repay the debt committed suicide or were forced to sell their land, and the bank also accused of tax evasion. Also quite clear that the bank can not survive without subsidies, then the question arises whether it is not just relief, or alternatively restrictive lending volume weight the borrowers just like regular loans. Moreover, recent studies show that microfinance is not a magic solution to eradicate poverty in the world. To make it an effective tool in helping volume weight the poor, it must be accompanied by a public policy that improves access to education and health, functioning institutions and economic infrastructure volume weight that can produce real opportunities for employment.
Microfinance initiatives volume weight have also benefited volume weight if refresh their goals and adopt new approaches, integrative. Experts argue that international forum 2011 Economic Social solidarity and held in Montreal. The conference brought together here on Tuesday representatives of microfinance institutions - funding alongside representatives of cooperatives around the world to discuss new strategies volume weight for providing sponsorship development projects on a small scale.
"Very important small loans to low income people as this is the only way for them to get credit and improve their quality of life," explained Jose Ramiro Becerra Sterling (Jose Ramiro Becerra Sterling), the President "to a credit and savings cooperative Colombian Aotrauilka (Utrahuilca).
"From beginning, microfinance institutions - funding established on the model of Grameen Bank in Bangladesh founded by Muhammad volume weight Yunis (Nobel Peace Prize winner in 2006) provided a reasonable interest volume weight rate credit to rural producers volume weight and urban entrepreneurs in small scale around the world. Microloans are generally regarded as a priority traditional direct aid, and many are are investing to produce real profit Unlike begging.
Aotrauilka project is micro - financing a comprehensive volume weight offering value-added dimension of social and cultural, Becerra says Sterling. In a country with 13 percent unemployment, cooperative credit and insurance offers low-interest, but also offers health services, housing loans, education, political and professional incorporation services, as well as children's activities, artistic and athletic activities. volume weight "Without the VAT, employees have no incentive to come to us," says Becerra Sterling. "We must treat them with respect."
Cooperative Pro - Rural (for the village - Pro-Rural) Bolivian however, designed a new prototype of a micro - financing. According to CEO "to project Flavio Rlda Laguna (Flavio Ralde Laguna), instead of lending institution Traditionally, the cooperative volume weight sees himself as a venture collaborative of financial services to rural" We not only manage the funds and give loans "he tells IPS," We are actually investors with manufacturers. "
Rlda Laguna says he checked the micro - financing in Bolivia and found that it is not sensitive enough to manufacturing volume weight costs. He said that ultimately rural producers find themselves "paying" bank concerns. "With all these questions, we began to think that maybe we should start a new model, based on the investment," he explained, adding, "We want to make the producers players."
Peru - Rural invests up to 49 percent of the equity at the beginning of each project. The organization provides training and capacity building programs and businesses and manufacturers based organization pulls back its initial capital investment. "So it's not just sexual - Bank with micro - credit," adds Rlda Laguna, "We are taking risks." With small regional investment funds and joint ventures, representatives of Peru - Rural hope to develop together with rural producers, financial instruments and for the role of accompanying that of a partner, explained Rlda lagoon.
According to Miguel Miro (Miquel Miró) Director General of the Foundation SEIRA, there is a general decrease in the cooperatives. volume weight Although he notices it especially his home province, Catalonia, Spain, he notes a similar trend occurred following the worldwide economic recession of 2008, which hit especially small cooperative initiatives.
But initiatives micro - financing the month could provide a solution. "The technology, information, investment required to create a business is very small," volume weight Miro told IPS, noting these costs can be covered easily by micro - loans practicality.
"With a computer, a mobile phone and a desk you can already volume weight work," he added, referring primarily volume weight knowledge-based businesses. Micro - financing is key because "conventional banks do not give small loans, especially small entrepreneurs," he said.
Rlda Laguna turn, means that pro - Rural starts to get support from the private sector in Bolivia. "We see that unlike the actual investment just ... they feel more comfortable to work through our channel, our initiative volume weight to reach manufacturers' he said to IPS. Peru - Rural received the blessing of the Bolivian government and the international level, it is supported by international development bank - an American. "They really believe in mode