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dc.creatorNagarajan, Geethaen_US
dc.creatorMeyer, Richard L.en_US
dc.creatorGraham, Douglas H.en_US
dc.description.abstractThis paper analyzes financial intermediation of two types of NGOs and assesses their complementarity or substitutability for the functions previously performed by indigenous self-help village groups (kafos) in The Gambia. The emergence of NGOs providing village level services is found to be only a partial substitute for the financial functions traditionally performed by these indigenous village groups. Institutional duality is, therefore, observed due to the coexistence of indigenous village groups alongside the NGOs providing multiple services demanded by villagers. The complementarity or substitutability of NGOs for kafos is largely determined by their institutional design for the provision of financial services. NGO programs that provide financial services based on lessons learned from kafos tend to complement rather than substitute for the kafos. The villagers seem better served this way. These findings have implications for any interventions which disrupt but only partially substitute for traditional village arrangements and institutions.en_US
dc.format.extentPages: 32en_US
dc.publisherOhio State University. Department of Agricultural, Environmental, and Development Economicsen_US
dc.relation.ispartofseriesOhio State University. Department of Agricultural Economics and Rural Sociology. ESO (Economics and Sociology Occasional Paper). No. 2094en_US
dc.rightsThis item may be protected by copyright, and is made available here for research and educational purposes. The user is responsible for making a final determination of copyright status. If copyright protection applies, permission must be obtained from the copyright holder to reuse, publish, or reproduce the object beyond the bounds of Fair Use or other exemptions to the law.en_US
dc.titleFinancial Intermediation by NGOs in The Gambia: A Complement or a Substitute for Indigenous Self-Help Village Groups?en_US
dc.type.genreWorking Paperen_US

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