Abstract:

Based on the estimations of the Consultative Group to Assist the Poor (CGAP)  and Food and Agriculture Organization of the United Nations (FAO) according to which worldwide there are more than 500 million family farms, farms that provide food to more than 2.5 billion people, people surviving with less than 2 daily $, I think it is the duty of economists,  our duty,  to identify the most efficient models of microfinance for rural area to help those in an absolute or relative poverty degree. The new challenge is to identify the new models in the actual context with the   “recent evidence indicates that inclusive financial services directly impact people by helping them smooth consumption, manage risks, and invest in microenterprises”[2].In the actual strategy of FAO exist three main goals are: “the eradication of hunger, food insecurity and malnutrition; the elimination of poverty and the driving forward of economic and social progress for all; and, the sustainable management and utilization of natural resources, including land, water, air, climate and genetic resources for the benefit of present and future generations”[3]. The constraints of those who work in rural areas microfinancing are numerous and collateral risks and limitations are as, especially that we are referring to that vulnerable segment in terms of bankability. Yet, we are witnessing now at a lot of debates and views that make us say that increasingly more policy makers turn their attention to social and financial inclusion of the countryside.