Komercjalizacja a stopy procentowe stosowane w mikrofinansowaniu: lichwa czy cena sprawiedliwa?

• Authors: Wong Kenman , Richards Donovan

Title variants

EN

Commercialization and microfinance interest rates: usury or just prices?

• Languages of publication: PL

Abstracts

PL

Dominujące w praktyce mikrofinansowania stopy procentowe mogą być bardzo wysokie (i sięgać średnio 20-30%, czasem jednak znacznie przekraczając 100%). Liczba organizacji konfesyjnych (zwłaszcza chrześcijańskich) działających na tym polu, biblijne zakazy pobierania odsetek od ludzi ubogich i rosnąca komercjalizacja są przyczyną silnych napięć etycznych. W łączności ze współczesnymi badaniami, Autorzy analizują fragmenty Biblii i podejmują refleksję, stosując podejście narracyjno-etyczne do kwestii stóp procentowych we współczesnym mikrofinansowaniu. Dochodzą oni do wniosku, że – choć zakazy stosowania lichwy ciągle obowiązują – szerokie potępienie wysokich stóp procentowych w mikrofinansowaniu nie jest dziś uzasadnione.

EN

Prevailing microfinance interest rates can be very high (20–30 percent on average and well exceeding 100 percent in some cases). The number of faith-based (especially Christian) organizations in the field, biblical injunctions against charging interest to poor people, and increasing commercialization present acute ethical tensions. In conjunction with contemporary research, the authors examine biblical passages and reflect theologically, employing a narrative-ethical approach to the issue of interest rates in contemporary microfinance. They conclude that while prohibitions against usury are still appropriate, a broad condemnation of high interest rates in microfinance is presently unwarranted.

Keywords

PL

lichwa; mikrofinanse,; mikrokredyt; Biblia

EN

usury; microfinance,; microcredit; Bible

• Publisher: Spółdzielczy Instytut Naukowy G. Bierecki sp.j.
• Journal: Pieniądze i Więź
• Year: 2016
• Volume: 19
• Issue: 3(72)
• Pages: 7-23

Dates

published

2016-11

Contributors

author

Wong Kenman

• Seattle Pacific University, Business Ethics Faculty; Business, Government, and Economics, McKenna 218, 3307 3rd Ave W Ste 201, Seattle, WA 98119-1950, USA

author

Richards Donovan

References

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Identifiers

ISSN

1506-7513