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Comparing Farm Credit Requirements with Microfinance Credit Products
This extract from a forthcoming paper by Malcolm Harper, includes an interesting table comparing five potential uses of money by a rural household in terms of characteristics such as lumpiness of investments and return, delay before return, predictability, risk, need for market linkages, etc. with the normal characteristics of microfinance credit products. The extract should prompt the reader to consider the question of how well the majority of micro lending meets the needs of farm based households.