Fermer
Loading
Fermer

Fermer
On commande un document pour l'utiliser en classe. Notez que l'utilisation de certains cas est payante. Ces cas sont facilement repérables par les logos qui renvoient à nos partenaires commerciaux. Lorsque vous voulez utiliser un de ces cas en contexte pédagogique, vous êtes redirigé vers le partenaire commercial avec lequel vous effectuerez la transaction.

Can One Size Fit All? The Case of ACEM and Community Credit

Cas 9 70 2018 002
Cas publié dans la Revue internationale de cas en gestion, vol. 16, no 2
Langues : 
  • Anglais
Mots clés: 
  • Social impact,
  • Scaling,
  • Microfinance,
  • Community credit,
  • Not-for-profit
Année de production : 
2018
Date de dépôt : 
2018-05-23
Notes pédagogiques incluses : 
Oui
Résumé

This case study focuses on the Montreal Community Loan Fund (ACEM), which fights poverty and exclusion through the administration of community credit. More specifically, ACEM provides training and offers loans to marginalized and vulnerable people for pre-start-up, start-up, and consolidation of businesses. The case describes ACEM’s recent history and how the organization long chose to increase the scale of community credit services through collaborations and partnerships, avoiding for decades the need to grow its own organization. In 2012, ACEM broke with tradition and launched its own scaling process to double its size.

The case thus describes an organization trying to stay focused on its social mission and core values while ensuring its own financial stability and protecting the interests of the network of independent community credit organizations that it co-founded. It thus provides an opportunity to discuss the variants of scaling and the challenges faced by a growing not-for-profit organization.

The case ends by describing a dilemma regarding ACEM’s financial instability. Students will be asked to make a decision regarding the current scaling process and propose a sustainable model that will make ACEM less dependent on government grants while respecting its core values.

Discipline principal : 
Coopératisme
Discipline secondaire : 
Éthique des affaires  - Développement durable
Secteurs d'activité : 
  • Banques et services financiers
Provenance : 
HEC Montréal
Type : 
Cas traditionnel (Cas décisionnel)
Type de données pour la production du cas : 
Données réelles, non publiques, non maquillées
Lieu de l'événement : 
Montréal, QC, Canada
Année de début de l'événement : 
2012
Année de fin de l'événement : 
2017
Taille de l'entreprise : 
Petite et moyenne entreprise
Principaux thèmes couverts

The purpose of this case study is to investigate the potential social impact of the financial industry, particularly in terms of alternative approaches such as microfinancing. The case also teaches the concept of scaling and its variations (up, out, and deep) as well as its potential application within community-rooted and not-for-profit organizations.

Objectifs pédagogiques

This case presents an opportunity to expose students to the practices of microfinance institutions and how they address social issues.

This case also familiarizes students with key issues related to the scaling of not-for-profit organizations. Using the example of ACEM, the instructor will discuss how not-for-profit organizations evaluate scaling opportunities and the challenges they represent. The three specific teaching objectives are as follows:

  1. expose students to the potential social impact of financial institutions and alternative models such as microfinancing;
  2. develop students’ ability to evaluate scaling opportunities by assessing risks and benefits;
  3. develop students’ ability to make decisions on behalf of not-for-profit organizations.
Concepts et théories en lien avec le cas

Scaling up, out, and deep