Instruments of Change

Instruments of Change

      Never before has the region's financial services sector been so robust and healthy. Nor has the stability and expansion of the sector contributed so much to the underlying (albeit modest) growth as during the last five years. Furthermore, only now is the propagation of financial services at the cusp of positively transforming the reality of so many Latin Americans by offering them access to credit and savings instruments. Yet after a decade of open market reforms and renewed democracy, growth and social progress in Latin America are in a quagmire. Symbols of neo-liberal economics and free markets, particularly banks, are often pointed to as institutions o

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