RURAL MICROFINANCE DEVELOPMENT IN DIGITAL AND SOCIAL PLATFORM,THINK-TANK TECHNOLOGIES APPLYING TO RURAL MICROFINANCE

The purpose of the paper: The paper aims to analyze the impact that digitization has in the development of rural microfinance. We want to underline that the rural micro financing comprise to provide a range of financial services such as savings, credit, payments and insurance for individuals, households and businesses (both agricultural and non-agricultural) in rural areas. On this topic, I have a previous research like "Microfinance, active factor in the social and financial inclusion" which deals whit the fact that we are in the midst of the biggest revolution in information and communication in history. I also mention my paper about "The role of microfinance in sustainable rural development" where I say, among others, that the social inclusion and financial progress are the results of digitization trend of the financial sector with a major impact on financial and non-banking institutions. Creating new distribution models (networks of external agents, banks without branch network), the emergence of new opportunities for customer access and management of back-office are just some of the challenges that microfinance sector has passed through on a continue process of innovation and adaptation and last, but least, I mention another personal work, Financing instruments in eradicating poverty, where I discuss about the agricultural cooperative like an autonomous association with an unlimited number of members with variable capital, which operate economic, technical and social n the private interests of its members. The present work, like the previous ones, have both, the theoretical and practical component, by presenting examples of best practice. They also are based on personal experience gained in over 10 years of activity in the field of rural areas development. Key results: The main findings and recommendations are summarized as follows: the stage of development and the complexity of microfinance as globally action decisively influence the variables of financial management, the terms of their specific problems and the nature of our solutions;each type of space defines the microfinance need targeted on specific financial situation of the one in need of microfinance, prompting the objectives, issues and means of action. Value: Microfinance is estimated that, depending on the complexity of the activities funded, must achieve optimal combination of funding sources and presented their destination, having as a final objective the socio-economic development of small business. More orientation microfinance in Romania think should be in agreement with the 4Ps of Agenda 2030 "People; Planet; Prosperity; Peace?.