Abstract:
Financial inclusion is a comprehensive approach to providing access to banking and insurance services to vulnerable populations. Several forms of exclusion can cause difficulties in accessing financial products (social, financial, territorial exclusion, etc.). Many studies have already demonstrated the need for financial organizations to include these categories of people in order to perfect their social responsibility. Faced with the complexity of this phenomenon, which takes on disparate forms, its field has been able to expand in recent years to more and more social groups. The identification of new stakeholders of the company prey to this phenomenon of exclusion, and in particular its shareholders and its customers (Gloukoviezoff, 2010), highlights new organizational paradoxes. However, the inclusion of these social groups has become one of the conditions for the sustainability of banks and insurers, because it is increasingly desired by public opinion and imposed by the State. The challenge of this work is to analyze the new phenomena of banking and insurance inclusion, in order to identify the paradoxes and the conditions to be met in order to better overcome them. The treatment of this problem is based on a critical analysis of research on financial inclusion, and on the study of a unique case of the inclusion strategy applied by the MAIF (Mutuelle Assurance des Instituteurs de France), considered as a model of economic and social inclusion in France.
Keywords: Inclusion, Finance, Insurance, Stakeholders, Mutual
