Microcredit as a tool for combating financial exclusion in Italy: the differences on a regional and local level

This paper proposes a mapping of microcredit (social and productive) in the period from2005 to 2013 in three main Italian regions. Later we offer a description of the micro-credit initiativespromoted by cooperative credit banks trying to take advantage of any differences in the initiativespromoted by other types of operators in terms of default rates of loans. The differences will be commentedon the basis of the distinctive features of this category of these relationship banks in order to identify apossible way of development of microcredit in Italy