Particular thanks are due to S.M.Sant, Director, and R.V.Sindagi, Faculty Member, of the State Bank Institute of Rural Development, through whom sample surveys reported on in this chapter were carried out; also to the Chairmen of Manjka and Sangameshwara Regional Rural Banks for agreeing to be interviewed, and to R.Krishnamurthy for major assistance with the crop insurance research discussed on pp. 269-70.