案例名称:
转型中的中和农信:经济与社会属性的平衡之舞
译名:
CFPA Microfinance in Transition: Seeking Balance between Economic and Social Attributes
学科领域:
社会企业、创业与创新、经济与金融、其他
中文关键词:
中和农信、社会企业、经济与社会属性、小额贷款;2018百优重点案例
英文关键词:
CFPA-MMC, Social Enterprise, Business and Social attributes, microfinance
中文摘要:
作为中国扶贫领域最大、增长最快的小额信贷机构,中和农信是中国社会企业界的一个独特典范。在过去的二十年里,中和农信已经从一个小型的小额信贷项目转变成为一家专业的小额信贷机构,现在它正处在转型为一家互联网金融公司的进程中。本案例梳理了中和农信从NGO发展到获认证社会企业的历程,呈现了她在快速增长过程中遇到的经济和社会属性之间的张力,揭示了她对社会绩效的困惑和对社会企业身份的踯躅,最后提出了中和农信对经济与社会属性的两种平衡方式的反思与展望。本案例可以启发学生对以下几个方面问题进行讨论和决策:第一,社会企业在理解、评估和管理自身社会属性上的复杂性及其对策;第二,社会企业面临的经济与社会属性之间的张力;第三,社会企业平衡其经济与社会属性之间张力的策略;第四,平衡经济与社会属性的不同方式对组织的战略和管理的要求等。
英文摘要:
Chinese Foundation for Poverty Alleviation’s Microfinance Management Company (CFPA-MMC) is the largest and fastest-growing microfinance institute (MFI) in China that specializes in poverty alleviation. It is a uniquely successful exemplar in China’s social enterprise community. Over the last two decades, CFPA-MMC has been transformed from a small microcredit project to a professional MFI, and it is now in the process of establishing itself as an Internet-based financial company. The case reviews CFPA-MMC’s history of growing from a non-governmental organization to a certified social enterprise, demonstrates the social-economic tension it has encountered in the process of fast growth, and reveals its challenges concerning social performance and the social enterprise identity. At last, this case discusses CFPA-MMC’s reflections on two approaches of balancing its business and social attributes. This case guides students to discuss and make decisions on the following issues: 1) the complexity and approaches for a social enterprise to comprehend, assess and manage its social attributes; 2) the social-economic tension faced by a social enterprise; 3) the approaches of balancing a social enterprise’s business and social attributes; 4) the distinctive organizational strategies and capabilities that are required to make these approaches work.
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