1. Comments to the Workshop Paper on:
“Microcredit and Crop Agriculture: New
Technologies and Other Innovations to
Address Food Insecurity Among the Poor”
by Calvin Miller
Laura Viganò
University of Bergamo - Italy
Microcredit Summit 2011- Valladolid
Laura Viganò
Università degli Studi di Bergamo

2. Some comments on:
• A comprehensive approach to rural
finance
• Business Development Services
• Linkage models in rural finance
• The issue of interest rates
• Guarantee funds
Laura Viganò
Università degli Studi di Bergamo

3. A comprehensive approach
• The role of savings
• Other financial services
• Non financial services
Laura Viganò
Università degli Studi di Bergamo

4. Business Development Services
•What kind of BDS?
•Do they help in making credit effective?
•Who should pay for them?
•Cooperation among actors
Laura Viganò
Università degli Studi di Bergamo

5. Linkage models
•Different market segments to be
served
•Agreement between partners: a key
element of success
Laura Viganò
Università degli Studi di Bergamo

6. Interest rates on loans
•Subsidized interest rates vs. market
rates
•Long-term interest rates vs. short-
term ones
•Lessons from the past and open
issues
Laura Viganò
Università degli Studi di Bergamo

7. Collateral
•The role of guarantee funds
•Pros and cons of GF
•Alternatives and complements to GF
Laura Viganò
Università degli Studi di Bergamo