Η επίδραση των μικροχρηματοδοτήσεων στην Ευρωπαϊκή Ένωση και την Ελλάδα
The impact of microfinance in European Union and Greece
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Keywords
Μικροχρηματοδότηση ; Μικροπίστωση ; Ιδρύματα μικροχρηματοδοτήσεων ; MicrofinanceAbstract
Microfinance, as an innovative form of financing, has evolved in recent years into
a pivotal tool of social and economic policy, offering access to funding for individuals
and groups who are excluded from the traditional banking system. In Europe,
microfinance has gradually acquired structure and direction, shaping an ecosystem
that focuses not only on combating financial exclusion but also on supporting small
entrepreneurship, the green transition, and social inclusion.
This study traces the development of the institution in Europe, examining how it
has evolved over time, whether it creates added value, and which objectives it seeks
to achieve. The course of microfinance in Europe is closely linked to the policies and
funding streams of the European Union, as many—primarily the strongest—countries
in this field are significantly active due to this support. Through the identification of
trends and strategies, the study captures the transition of microfinance from an
alternative financing approach to a more mature and institutionally integrated tool of
social and economic intervention. This transition did not occur overnight; on the
contrary, it required a prolonged period of institutional initiatives, crises, and
collective efforts to materialize.
Particular emphasis is placed on the case of Greece, which exhibits characteristics
of delayed integration compared to other European countries, but also of dynamic
development. Against the backdrop of the social and economic challenges of the past decade, Greece is now approaching microfinance as a new and innovative tool for
boosting small businesses, supporting vulnerable groups, and backing important
initiatives. The study of these developments highlights the effort to shape a parallel
financing mechanism with distinct characteristics—one that, however, still maintains
significant distance from established European practices.
This thesis seeks to interpret the outlined trajectory, to identify the key milestones
and institutional potential of microfinance in both Europe and Greece, and to highlight
its role in an ever-changing environment. The focus lies not solely on financing itself,
but also on the values that accompany it: participation, social justice, and equitable
development. By the end of the study, a consolidated account of the policies and
milestones of the microfinance institution in Europe will have been completed, as well
as an overview of how these have transformed over time. As the only study to date
focusing on this specific subject, it will contribute to the mapping of this emerging
institution and to a deeper understanding of its potential.
Postgraduate Studies Programme
Οικονομική και Επιχειρησιακή ΣτρατηγικήDepartment
Σχολή Οικονομικών, Επιχειρηματικών και Διεθνών Σπουδών. Τμήμα Οικονομικής ΕπιστήμηςNumber of pages
92Language
GreekCollections
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Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα
Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα