• I. Introduction
  • 1. The Conceptual Basis of the Paper
  • 2. The Purpose, Orientation and Structure of the Paper
  • II. Credit
  • 1. Credit Technologies for Target Group-Oriented Lending
  • 2. The Non-Conventional Individual-Based Credit Technology
  • 3. Group-Based Credit Technologies
  • 4. Comparing Individual-Based and Group-Based Lending
  • III. Savings
  • 1. The Relevance of Saving
  • 2. Two Models of a Target Group-Oriented "Full Service Bank"
  • 3. Empirical Evidence
  • 4. Implications
  • IV. Institution Building
  • 1. Assumptions and Evaluation Criteria
  • 2. Selecting Partner Institutions
  • 3. "Downscaling": How to Make a Financial Institution More Target Group-Oriented
  • 4. "Upgrading": How to Build an NGO and Turn It Into a Small Bank
  • 4.1 The Focus of the Discussion in this Section
  • 4.2 The Creation of a Financial NGO
  • 4.3 The Growth and Transformation Process
  • 5. Implications