ABSTRACT The paper traces the evolution of The Microfinance Sector of Togo over the half century from its independence in 1960 to 2010. The methodology uses oral histories, consisting of a round table discussion with heads of Microfinance Institutions as well as regulatory, supervisory and financing institutions and academics, followed by semi-structured individual interviews. We compare their diverse perspectives with the few archives and data that exist. We find seven stages in the development of microfinance from an unorganized sector consisting of tontines and usurious money-lenders in the 1960s to a considerably organized sector dominated by credit unions (COOPECs) and NGOs. The unorganized sector continues to play a role and the regulatory authority intervenes to protect the masses from unscrupulous and inefficient operators.

中文翻译：

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利益相关者在多哥小额信贷的历史演变中的作用

摘要本文追溯了多哥小额信贷部门从1960年独立到2010年半个世纪的演变。该方法采用口头历史，包括与小额信贷机构以及监管，监督和融资机构负责人的圆桌讨论和学者，然后是半结构化的个人访谈。我们将他们的观点与现有的少量档案和数据进行比较。从小额信贷和高利贷者组成的无组织部门到1960年代由信用合作社和非政府组织主导的相当有组织的部门，我们发现小额信贷的发展分为七个阶段。无组织的部门继续发挥作用，监管机构进行干预，以保护群众免受不道德和低效的操作员的侵害。