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  • This Note is the first of a two-part series, which provides some perspective on how individual business correspondents (BCs) and institutional BCs are perceived by clients and banks. This Note approaches the question from the client's perspective. It concludes that institutional BCs have...

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  • This note focuses on diverse financial services driven by the diverse needs of people. Typically MFIs provide working capital, which in many cases, are not used as per the stated purposes by the clients. Subsequently, this note questions the necessity of utilisation checks in microfinance...

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