Microfinance Governance and Rural Borrower Exclusion
The internal rules of a microfinance institution, PAR targets, loan minimums, travel allowances, quietly determine which rural borrowers are never reached.
BusinessCorrespondent Banking and the Dollar Access Problem
The internal mechanics of correspondent banking systematically cut small economies off from dollars. A structural explanation of who pays the price.
BusinessMicrofinance Governance and the Borrowers Left Behind
Incentive structures and risk models quietly determine which borrowers loan officers never reach. Outreach alone won't fix it.