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Strategic Alliances to Scale Up Financial Services in Rural Areas

AGRICULTURAL BANKS AGRICULTURAL CREDIT AGRICULTURAL DEVELOPMENT BANKS AGRICULTURAL GROWTH AGRICULTURE ALLIANCES APEX APEX INSTITUTIONS APEX ORGANIZATIONS AUTONOMY BANK BRANCHES BANKING INSTITUTIONS BANKING SERVICES BANKING SYSTEM BUSINESS ENTERPRISES CAPITALIZATION CGAP CHARTER CO. LTD. COLLATERAL COMMERCIAL BANK COMMERCIAL BANKS COMMERCIAL ENTERPRISES COMMERCIAL LOANS COMMUNITY BANKS COMPANY COOPERATIVES CORPORATION CORPORATIONS CREDIT MARKETS CREDIT UNIONS DEPOSITS DISTRIBUTION COMPANIES ECONOMIC GROWTH ECONOMICS EMPLOYMENT FACTORING FINANCE COMPANIES FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL INSTRUMENTS FINANCIAL INTERMEDIARIES FINANCIAL MARKETS FINANCIAL PERFORMANCE FINANCIAL SERVICES FINCA FOOD SECURITY FORMAL FINANCE INSURANCE INTEREST RATES LEVERAGE LIMITED LOAN DEFAULTS LOAN PORTFOLIOS LTD. MANAGERS MFI MICRO BUSINESSES MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTION MANAGEMENT MICROFINANCE INSTITUTIONS OPERATING EXPENSES OUTREACH PARTNERSHIP POOR HOUSEHOLDS PORTFOLIO MANAGEMENT PORTFOLIOS POVERTY REDUCTION PRICE UNCERTAINTIES PRIVATE BANKS PRIVATE COMMERCIAL BANKS PRIVATIZATION PRODUCTIVITY PROFITABILITY REGULATORY FRAMEWORK REGULATORY FRAMEWORKS RETAIL BANKING RISK MANAGEMENT RURAL AREAS RURAL BANKS RURAL COMMUNITIES RURAL DEVELOPMENT RURAL FINANCE RURAL FINANCE INSTITUTIONS RURAL FINANCIAL INSTITUTIONS RURAL FINANCIAL MARKETS RURAL FINANCIAL SERVICES RURAL HOUSEHOLDS SAVINGS SAVINGS DEPOSITS SERVICE COMPANY SMALL BUSINESSES SOCIETY SPONSORSHIP SUBSIDIARY SUSTAINABILITY TECHNICAL ASSISTANCE TRANSACTION COSTS UNION WORKING CAPITAL
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Washington, DC: World Bank
Africa | East Asia and Pacific | Latin America & Caribbean | South Asia | Latin America | Asia | Central America | South Asia | Southeast Asia | West Africa | Sub-Saharan Africa
2012-06-04T14:25:43Z | 2012-06-04T14:25:43Z | 2006

Firms have employed strategic alliances with other firms to effectively manage costs, overcome resource and technology constraints, and enhance competitive position. Strategic alliances can lead to productive institutional collaborations in rural financial markets, thereby expanding the array of financial products, and scaling 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 lessons that may be applied in other country settings. The study addressed a number of key questions: What motivated the rural finance institution to structure its alliance or partnership with a bank, commercial, or development organization? How are gains from and costs of alliances and partnerships shared between collaborating institutions? What are the key elements that make partnerships or alliances successful, and which conditions lead to unproductive ones? Which financial products and services are best introduced through strategic alliances?

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