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<dc:title xml:lang="fr">Finance solidaire, émergence d'institutions de micro-finance : cas de la Kabylie</dc:title>
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<dc:subject xml:lang="fr">Finance solidaire</dc:subject>
<dc:subject xml:lang="fr">Finance informelle</dc:subject>
<dc:subject xml:lang="fr">Organisation sociale villageoise</dc:subject>
<dc:subject xml:lang="fr">Développement communautaire</dc:subject>
<dc:subject xml:lang="fr">Caisses villageoises</dc:subject>
<dc:subject xml:lang="fr">Bien collectif</dc:subject>
<dc:subject xml:lang="fr">Banques coopératives</dc:subject>
<dc:subject xml:lang="en">Solidarity finance</dc:subject>
<dc:subject xml:lang="en">Informal finance</dc:subject>
<dc:subject xml:lang="en">Village social organization</dc:subject>
<dc:subject xml:lang="en">Community development</dc:subject>
<dc:subject xml:lang="en">Village banks</dc:subject>
<dc:subject xml:lang="en">Collective good</dc:subject>
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<dcterms:abstract xml:lang="fr">Cette recherche a tenté de comprendre et d’analyser les pratiques de finance solidaire informelle en Kabylie, en l’occurrence le rôle des caisses villageoises et la gestion des biens collectifs. En effet, nous avons analysé le système de solidarité villageoise et les réseaux informels autour desquels se mobilisent et se structurent les financements comme les réseaux des émigrés établis à l’étranger et organisés en associations communautaires. C’est à partir de ce contexte socioéconomique des communautés villageoises de la Kabylie, caractérisé par l’encastrement des pratiques de financement solidaire dans les valeurs socioculturelles et l’auto-organisation des villages, que nous avons posé notre problématique. Celle-ci s’articule sur leur logique de leur fonctionnement et l’intérêt de l’institutionnalisation des caisses villageoises en organisations de l’économie sociale et solidaire en général et de finance solidaire en particulier à l’instar des banques communautaires et coopératives inter-villageoises à l’échelle de la Wilaya. Autrement dit, nous avons posé la problématique de la professionnalisation et de l'institutionnalisation des caisses villageoises comme facteur susceptible de renforcer leur pérennisation et leur efficacité dans le financement et la gestion des biens collectifs des villages kabyles.</dcterms:abstract>
<dcterms:abstract xml:lang="en">This research has attempted to understand and analyze the practices of informal solidarity finance in Kabylie, in this case the role of village banks and the management of public goods. In fact, we have analyzed the village solidarity system and the informal networks around which funds and networks are mobilized and structured, such as the networks of emigrants established abroad and organized in community associations. It is from this socio-economic context of the village communities of Kabylia, characterized by the embedding of practices of solidarity financing in the socio-cultural values and the self-organization of the villages that we posed the problematic of their operation and the interest of their institutionalization in organizations of social and solidarity economy in general and solidarity finance in particular like the community banks and inter-village cooperatives at the scale of the Wilaya. In other words, we have raised the issue of the professionalization and institutionalization of village banks as a factor likely to strengthen their sustainability and effectiveness in the financing and management of the collective goods of Kabyle villages.</dcterms:abstract>
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