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                <text>En las últimas décadas, las prácticas institucionales de la banca y las finanzas en la Argentina han acentuado el fenómeno de exclusión en el acceso efectivo al financiamiento de distintos sectores sociales. Dicho fenómeno se ha reflejado particularmente en las áreas rurales y urbanas marginales. Del mismo modo que en otros países latinoamericanos, el progresivo agotamiento de las escasas instancias estatales de crédito y la insuficiente o nula respuesta de los bancos comerciales privados para llenar ese vacío instauraron las condiciones para que el accionar del sector de la banca y las finanzas llegase a ser aún más exclusivo y discriminatorio. Diversas han sido las respuestas ciudadanas a dicha exclusión y las distintas iniciativas que se adoptaron. Algunas, de origen más antiguo, supieron preservar una misión de servicio en beneficio de sus miembros, propia de las instituciones cooperativas y mutualistas, mien-tras que otras más recientes se orientaron a la creación de nuevas instancias orientadas a los sectores tradicionalmente excluidos.El texto presenta las distintas reflexiones sobre la naturaleza y alcance de estas iniciativas y su potencialidad para responder a nuevos desafíos, tal como fueron expresadas en el desarrollo del Seminario-Taller Internacional: "El Financiamiento de la Economía Social: Actores e Instrumentos".</text>
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                <text>Insignias notorias de la gran tradición de los pensamientos de la emancipación, los conceptos de revolución y de democracia pudieron pensarse en América Latina, durante los tres primeros lustros de este siglo, en sus diversas y auspiciosas combinaciones. En ese clima de ideas, tan distinto del actual, se puso en marcha años atrás el Programa Regional Democracias en Revolución &amp; Revoluciones en Democracia, cuyos grandes motivos no hay ninguna razón para abandonar. Cuyo capítulo argentino se complace en presentar sus resultados por medio de esta serie de libros colectivos.Una cuestión latente en los capítulos de este libro es si se dan o pueden generarse las condiciones para pasar de intentos microeconómicos y políticas públicas coyunturales a la constitución de sujetos sociales y políticos, capaces de imaginar y realizar formas económicas que no solo afirmen la capacidad de autogestión de los trabajadores asociados y mejoren las vidas cotidianas de individuos y grupos particulares, sino que contribuyan a transformar las estructuras que los marginan y subordinan.Destacados autores de Argentina, Brasil, Ecuador, México, Perú y Venezuela problematizan en este volumen los fundamentos, conceptos y prácticas de la economía social y solidaria.Las propuestas de Economía Social y Solidaria han ido ganando un espacio en el discurso de lo alternativo y posible en el campo económico. Sin embargo, su implementación demanda mostrar ejemplos concretos que alcanzaron escala y sustentabilidad. La presentación, en este libro, de cinco experiencias significativas por su alcance y calidad contribuye en este sentido.</text>
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