ABSTRACT
This conclusion presents some closing thoughts on the concepts covered in the preceding chapters of this book. The book discusses women and men have successfully been using a traditional financial savings operation called Susu, one of Africa’s most ancient forms of informal banking. It emphasises the need for the financial inclusion agenda to realistically assess, during targeting, whether users have the capacities to play meaningful roles and accrue benefits from their participation in accessing and using financial products and services. The book explores that informal lenders of microcredits remain more successful in identifying those smallholder farmers that are most likely to use the borrowed funds successfully using the case of smallholder shrimp farmers in Bangladesh. It explores that greater sustainability and scalability of impacts come only through encouraging behavioural changes among those in the core of financial transaction, as well as in the service and rule ecosystems.
