6. REFERENCES
- Adams , D W. , Chen , H Y. and Lamberte , M B. 1993 . Differences in uses of rural financial markets in Taiwan and The Philippines . World Development , 21 ( 4 ) : 555 – 563 .
- Barry , P J. , Ellinger , P N. , Hopkin , J A. and Baker , C B . 1995 . Financial management in Agriculture Illinois : Interstate Publishers, inc., (Fifth Edition) .
- Berry , S. 1993 . No condition is permanent: The social dynamics of Agrarian change in Sub-Saharan Africa Madison : The University of Wisconsin Press .
- Bruce , J. 1989 . Homes divided . World Development , 17 ( 7 ) : 979 – 991 .
- Delgado , C. L. 1996 . “ Bringing previously disadvantaged rural people into the economic mainstream: The role of smallholder agricultural production in Sub-Saharan Africa. Paper prepared for the ” . In Symposium on Meeting the Challenge of Overcoming Food Insecurity in Southern Africa Washington, D.C, , USA : International Food Policy Research Institute .
- Devereux , S. , Pares , H. and Best , J. 1989 . Credit and savings for development Oxford : Oxfam .
- Gonzalez-Vega , C. 1994 . Do financial institutions have a role in assisting the poor? , The Ohio State University Economics and Sociology Occasional paper No. 2169 Ohio : Rural Finance Program, Department of Agricultural Economics .
- Graham , D H . 1995 . Creating a sustainable supply of financial services for the rural poor: A challenge for the agricultural economics profession . Agrekon , 34 ( 4 ) : 138 – 145 .
- Gurgand , M. , Pederson , G. and Yaron , J. 1994 . Outreach and sustainability of six rural finance institutions in Sub-Saharan Africa , World Bank discussion papers, No. 248 Washington, D.C. : The World Bank .
- Heckman , J. J. 1979 . Sample selection as a specification error . Econometrica , 47 ( 1 ) : 153 – 161 .
- Kraft , N. J. 1996 . Agricultural and rural finance: Some thoughts on the road ahead . Agrekon , 35 ( 4 ) : 211 – 217 .
- Low , A. 1986 . Agricultural development in Southern Africa: Farm-household economics and the food crisis Cape Town : David Philip Publishers .
- Lyne , M. C. 1992 . Constraints to emerging farmers in the homeland areas: Results of a sample survey Pietermaritzburg : Department of Agricultural Economics, University of Natal . Unpublished report
- Stanton , J. 1997 . “ Wealth and access to credit among farmers in Mexico: Do the rich really get richer? Paper prepared for presentation at the ” . In XXIII International Conference of Agricultural Economists, for the mini-symposium entitled “Finance and Factor Market Development for the Rural Poor”, Sacramento, California, August 1997.
- Yaron , J. , Mcdonald , P. B. and Piprek , G. L. 1997 . Rural finance: issues, design, and best practices , Environmentally and socially sustainable development studies and monographs series, No. 14 Washington, D.C. : The World Bank .