School of Information Sciences -- Faculty Publications and Other Works

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Journal of Asia Pacific Business

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Microfinance offers a means for reaching the poor who are left out of the formal financial sector. A fundamentally new way is needed to create a scalable and sustainable business model to meet this unmet need – a catalytic innovation. Our study focused on Swayam Krishi Sangam (SKS), an archetype of a catalytic innovator. The insights gained from our three-year longitudinal study led to the proposed framework for a catalytic innovator encompassing five factors: customer focus on the poor and social entrepreneurship for the social mission; operational innovation, information technology and human capital management for scaling and financial sustainability.


This is an Accepted Manuscript of an article published by Taylor & Francis in the Journal of Asia Pacific Business in August 2010, available online:

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