Card Group: Mutually Reinforcing Institutions

Posted: 5 Feb 2012

See all articles by Cynthia Montgomery

Cynthia Montgomery

Harvard University - Strategy Unit

Michael Shih-ta Chen

Harvard University - Business School (HBS)

Dawn H Lau

Harvard University - Business School (HBS)

Date Written: December 8, 2011

Abstract

CARD (Center for Agricultural and Rural Development) is a Philippines-based microfinance organization that began as an NGO and has since expanded into eight related entities providing services to the poor. Under Founding Director Dr. Aristotle Alip's leadership, CARD has become one of the top microfinance institutions in the world. More recently, larger commercial and financial institutions are seeking a slice of the microfinance market. The main dilemma Dr. Alip faces is: Should he partner with commercial institutions to reap benefits from their larger sources of capital and technology expertise? Would that mean compromising his original mission of elevating people from the base of the pyramid?

Learning Objective: Case examines key strategic choices facing the head of a multi-business social enterprise in the Philippines.

Suggested Citation

Montgomery, Cynthia and Chen, Michael Shih-ta and Lau, Dawn H, Card Group: Mutually Reinforcing Institutions (December 8, 2011). Harvard Business School Strategy Unit Case No. 712-414, Available at SSRN: https://ssrn.com/abstract=1998166

Cynthia Montgomery (Contact Author)

Harvard University - Strategy Unit ( email )

Harvard Business School
Soldiers Field Road
Boston, MA 02163
United States

Michael Shih-ta Chen

Harvard University - Business School (HBS) ( email )

Soldiers Field Road
Morgan 270C
Boston, MA 02163
United States

Dawn H Lau

Harvard University - Business School (HBS) ( email )

Soldiers Field Road
Morgan 270C
Boston, MA 02163
United States

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