THE ROLE AND PERSPECTIVE OF MICRO-CREDIT ORGANIZATIONS IN THE DEVELOPMENT OF RURAL TOURISM

This paper analyzes the operations of micro-credit organizations and the disbursement of micro-credits in the field of tourism and rural tourism, as well as the effects of micro-credits utilization in creating rural tourism offer in B&H. The analysis is based on operations of credit beneficiaries and indicator.? on their material-financial and social situation, In accordance with this, the role which micro-credit organization have, and can have, for supporting the development of rural tourism has been assessed, taking into the account above all the fact that individuals and households whose material and economic situation does not enable their "qualification" for receiving a loan from commercial banks are most often seen as potential suppliers in the field of rural tourism. Micro-credit organizations see this perspective through the creation, and support, for development of rural tourism offer, and by doing so, improvements in the socio-economic condition in B&H, as well as enabling individual and households to organize and start their own businesses in the field of rural tourism. This paper presents possible forms of support by micro-credit organizations to the development of rural tourism, and other forms of tourism, drawn from experiences acquired in the application of micro-credit and other forms of financial supports in similar environments, which are based on creating a sound system of financing and other forms of support ensuring significant positive effects in the development of tourism.