By Mario D. Lamberte, Robert C. Vogel, Roger Thomas Moyes
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Extra resources for Beyond Microfinance: Building Inclusive Rural Financial Markets in Central Asia
Liedholm, and Richard L. Meyer, “Working Capital and Nonfarm Rural Enterprises,” in Undermining Rural Development with Cheap Credit, 1984. Chapter 1 From Agricultural Credit to Rural Finance: In Search of a New Paradigm Learning from Informal Finance Informal finance has played a major role in developing microfinance, as pointed out earlier,28 and informal financial arrangements have likewise played a major role in rural areas in providing the financial services that the formal financial sector does not provide.
Chapter 1 From Agricultural Credit to Rural Finance: In Search of a New Paradigm • Recognizing the importance of cash flow and character does not, however, easily solve all the problems of rural lending even to microentrepreneurs and small farmers. In microenterprise and small farm finance, cash flow means estimating all the receipts and expenditures of the family and not just the enterprise, while measuring character almost always involves observational visits to the borrower at both the home and the workplace (which, of course, are often the same) as well as conversations with neighbors and with business contacts.
Arbuckle, Lee, Rescina Bhagwani, Gilberto Llanto, and Maria Piedad Geron. 1998. A Review of the Regulatory Environment for Credit and Deposit-Taking Cooperatives in the Philippines. IMCC report for USAID under the CPIP project. November. Arbuckle, Lee, William Griffin, and Eduardo Jimenez. 2000. Recommendations for the Regulation of Credit and DepositTaking Cooperatives in the Philippines. IMCC report for USAID under the CPIP project. February. A. 1977. Indigenous Savings and Credit Societies in the Third World: A Message.