Microcredit Lending in the San Diego - Tijuana Border Region : the Los Niños Experience
نویسندگان
چکیده
USD Trans-Border Institute • 1 • www.sandiego.edu/tbi ...microcredit advocates believe that access to credit enables people to improve their own lives and economic situation. ...this brief examines the use of microcredit lending in the U.S.-Mexico border region, a complex, highly metropolitan area. Microcredit Lending in the Border Region Microcredit lending has become a major innovation in antipoverty and economic development programs around the world. The core philosophy of microcredit lending programs is that poor people are best able to help themselves when they are granted access to the same kinds of market mechanisms that sustain much of the “real” economy, particularly access to credit. Small loans, sometimes as little as a few dollars, are given to individuals that may lack access to traditional banking institutions. These funds become the foundation for modest investments and improvements in quality of life that many economists believe may help to reduce poverty and foster long term economic development. While much of the research on microcredit lending focuses primarily on programs implemented in rural areas where there are strong community ties, this brief examines the use of microcredit lending in the U.S.Mexico border region, a complex, highly metropolitan area. This region is of particular interest because here, more so than in many other parts of the world, the gaps and inequities of the expanding global economy are especially glaring. As such, the border region provides a useful laboratory to help us understand and address the challenges of globalization, poverty reduction, and economic development.
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