توسعه محلی و قرضه های کوچک به عنوان راهکارهای توجه علاوه بر نیازهای اجتماعی: یک رویکرد مفهومی توسعه محلی و مؤسسات مالی به عنوان راهبردی برای حل نیازهای اجتماعی: رویکرد مفهومی و نظری

Poverty as a public issue encourages further thinking about the responsibility that the State has towards its citizens. This article aims to explore the different theoretical approaches to the notions of local development and microfinance, to establish them as tools to deal with the socioeconomic needs of underprivileged people. In this sense, the hypothesis of this paper considers that local development and microfinance are indeed essential tools to solve social needs, as a source of poverty. In fact, apart from the official banks and informal lenders, microfinance institutions have revolutionized the financing of economic and social development, especially in Asia, Africa and Latin America. Through an analytical review of literature we conclude that rationalization of microfinance is a crucial operational and conceptual stage that must transcend the goal of supporting local development and tackling poverty, as it is the outcome of a complex decision-making process with multidimensional impacts.