institutions block effective use of ICTs? (3) Have ICTs been adapted to low-income countries, and have they had an impact on SMEs …

absence or inadequacy of risk-mitigating institutions and markets, and the need to protect the world's poorest communities … convincing, that the programs are not cost-effective and do not allocate resources optimally, and that private institutions are … expensive, and that reduced intervention can promote competition, help develop alternative institutions, and release funds for …