Ethno-Banking, Microfinance, and Societal Integration in Lower Austria and Vienna

摘要

For the Raiffeisenlandesbank of Lower Austria and Vienna, this is an opportunity to attract more clients during a period of financial crisis when it is necessary to distinguish oneself from business rivals. The measures undertaken for immigrants are quite discreet so that racist reactions of the majority population are not encountered. In the examined case, microcredit activity represents insignificant financial risks for the bank thanks to the creditworthiness and fidelity of the Turkish community.