The increasing complexity of technology development and adoption is rapidly changing the effectiveness of scientific and technological policies. Complex technologies are developed and disseminated by networks of agents. The impact of these networks depends on the assets they command, their learning routines, the socio-economic environment in which they operate and their history.
This report demonstrates that financial cooperatives can be sustainable providers of financial services in rural areas and development assistance needs to consider supporting them as a means to enhance access to rural finance. It does not suggest that financial cooperatives are the only providers or the preferred channel in all circumstances. For financial cooperatives to function as sustainable institutions, governments need to provide an enabling environment, not exercise excessive control that restricts growth and consolidation, and not use them as channels to provide subsidized credit.
Au Brésil, la diffusion du modèle de gestion intégrée des ressources en eau varie fortement selon l’environnement socio-territorial. Le Sud présente un dynamisme certain s’appuyant sur des initiatives locales. Les acteurs locaux sont organisés en comité de bassin et développent des actions pour améliorer la gestion des ressources. Dans le Nordeste, la marche vers ces nouveaux modes de gestion paraît difficile tant les inerties sociales et culturelles freinent un partage réel du pouvoir, des ressources et des coûts.