extent to which various types of institutions (e.g., public and private banks, MFIs, and cooperatives) are reaching out to poor clients in rural areas.
Among the major issues in rural and microfinance that emerged are the policy environment and government interventions in financial markets; the development of the subsector at the macro, infrastructure (meso), and micro levels; and the key characteristics of successful institutions, including the design and delivery of their products and services. The most important findings of the study are the substantial differences in the development of rural and microfinance that have resulted from significant differences in the policy frameworks in the three countries and their impacts on the development of the institutions that provide micro and rural financial services. The study concludes with recommendations on the challenges to, and opportunities for, rural and microfinance in Asia, based on common trends and key differences among the rural and microfinance operations in the three countries studied.
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