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This paper is a business process analysis of an existing and successful microfinance institution in Nicaragua. The authors visited the main office and branch offices to determine the data flow and process relationships between the main office and the branches. For U.S. based organizations, the cultural differences and resource constraints could be informative. As globalization expands, the need to prepare students for assignments in developing countries is one of the goals of this project.


This article, published by the International Association for Computer Information Systems, is freely available at

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Issues in Information Systems

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Martinez, Julio; Tellis, Winston M.. 'Microfinance in Action: A Business Process Analysis of an Operation in Nicaragua.' Issues in Information Systems, v.7, 2 (2006): 105-109

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