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Originality/value: In recent years, the microfinance community has witnessed unwanted consequences of microcredit misuse. We present an original approach about the way credit unions may achieve their target in a responsible way, offering appropriate products, services and training to the entire community involved. Design/methodology/approach: Through secondary data and interviews with decision makers and credit union members, we studied the case of Cresol Baser, a large credit union in Brazil. We analyzed data based on inductive theorizing. First and second-order themes were identified, resulting in a procedural model, representing relationships between responsible microfinance factors. Findings: The three main dimensions in the model of inclusive microfinance - conditions, proximity, and access - were integrated in order to promote a dynamic that respects the assumption of a responsible financial inclusion with regards to design, offer and access of products and services related to microfinance.","descriptionType":"Abstract"}],"geoLocations":[],"fundingReferences":[],"xml":"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","url":"https://scielo.figshare.com/articles/dataset/ACHIEVING_FAMILY_FARMERS_DEMANDS_FOR_MICROCREDIT_THROUGH_CREDIT_UNIONS_A_FRAMEWORK_FOR_DISCUSSION/5644888/1","contentUrl":null,"metadataVersion":3,"schemaVersion":"http://datacite.org/schema/kernel-4","source":"mds","isActive":true,"state":"findable","reason":null,"viewCount":1,"viewsOverTime":[{"yearMonth":"2025-07","total":1}],"downloadCount":0,"downloadsOverTime":[{"yearMonth":"2025-07","total":0}],"referenceCount":1,"citationCount":0,"citationsOverTime":[],"partCount":0,"partOfCount":0,"versionCount":0,"versionOfCount":0,"created":"2017-11-29T12:24:55.000Z","registered":"20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