Un long papier (en anglais) très intéressant sur les limites des recommandations du CGAP, et les changements souhaitables dans l'avenir.

juste la conclusion :

The key conclusions of this note are that CGAP needs to modify its conventional messages such as “zero tolerance of delinquency” and “no restructuring of client loans” in the context of emerging over-indebtedness and the financial crisis. It also needs to strengthen its messages in relation to governance, social mission and improving depth of outreach to the poor.