- Start with the problem rather than the solution: a credit system must be based on a survey of the social background rather than on a pre-established banking technique.
- Adopt a progressive attitude: development is a long-term process which depends on the aspirations and commitment of the economic operators.
- Make sure that the credit system serves the poor, and not vice-versa: credit officers visit the villages, enabling them to get to know the borrowers.
- Establish priorities for action vis-a-vis to the the target population: serve the most poverty-stricken people needing investment resources, who have no access to credit.
- At the beginning, restrict credit to income-generating production operations, freely selected by the borrower. Make it possible for the borrower to be able to repay the loan.
- Lean on solidarity groups: small informal groups consisting of co-opted members coming from the same background and trusting each other.
- Associate savings with credit without it being necessarily a prerequisite.
- Combine close monitoring of borrowers with procedures which are simple and standardized as possible.
- Do everything possible to ensure the system’s financial balance.
- Invest in human resources: training leaders will provide them with real development ethics based on rigor, creativity, understanding and respect for the rural environment.
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