Leadership Investigate

Development Through Innovative Business Models

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Executive Summary

The responsAbility refinances microfinance institutes, and in the process indirectly supplies the necessary capital for many BoP business models. The company borrows funds for this on the international financial markets. According to Speckhardt, responsAbility is "One of the world's top three" among private refinancers of microcredits. It has long been demonstrated that microfinance is a sustainably profitable and hence commercially practical BoP business model. The huge need for microfinancing can only be met in future by private investors.

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