Editing International Monetary Fund (section)

===Overcoming borrower/creditor divide===
The IMF's membership is divided along income lines: certain countries provide financial resources while others use these resources. Both [[developed country]] "creditors" and [[developing country]] "borrowers" are members of the IMF. The developed countries provide the financial resources but rarely enter into IMF loan agreements; they are the creditors. Conversely, the developing countries use the lending services but contribute little to the pool of money available to lend because their quotas are smaller; they are the borrowers. Thus, tension is created around governance issues because these two groups, creditors and borrowers, have fundamentally different interests.<ref name="Political Economy of IMF voting" />

The criticism is that the system of voting power distribution through a quota system institutionalizes borrower subordination and creditor dominance. The resulting division of the IMF's membership into borrowers and non-borrowers has increased the controversy around conditionality because the borrowers are interested in increasing loan access while creditors want to maintain reassurance that the loans will be repaid.<ref>{{cite web |last1=Kafka |first1=Alejandre |title=Some IMF Problems after the Committee of Twenty |work=International Financial Policy: Essays in honour of Jaques J. Polack |url=https://www.elibrary.imf.org/view/IMF071/03699-9781557751966/03699-9781557751966/ch05.xml |url-access=subscription |access-date=2 December 2018 |date=September 1991 |archive-date=3 December 2018 |archive-url=https://web.archive.org/web/20181203062835/https://www.elibrary.imf.org/view/IMF071/03699-9781557751966/03699-9781557751966/ch05.xml |url-status=live }}</ref>