تحليل تجربيات ماليه خرد در ايران در جهت ارائه سازوكاري نوين

Analyzing the Microfinance Experiences in Iran for Providing a New Mechanism

In this article, we analyze the main attributes of microfinance experiences in Iran and explain their strengths and weakness. Key elements of these experiences are explained and their operational mechanism and performance index are compared by benchmarks of leading successful experiences in microfinance in the world. These analyzes not only introduce the microfinance practices in Iran that there isnʹt any credible report in International Journal about them, but also provide practical framework for discussing suggestions about microfinance operational mechanism in Iran. The recommended framework includes items such as government intervention, its supervision, infrastructures and technological dimensions, target group, organizational type of microfinance institutions, and technical rule for collecting savings from poor and allocating loans to them. These recommendations, as a whole, form a theory for developing microfinance in Iran that should be tested in practice.