Based on interviews with officers and workers in four banks and four insurance companies in each country.

Based on a survey of 275 clients of a microfinance institution (MFI) in Lusaka. Analyses the economic stresses to which low-income entrepreneurs are vulnerable, examines their coping strategies and assesses the potential demand for microinsurance and other risk-managing financial services such...

Reviews sectoral trends in output, employment and technology change in the financial sector since the 1960s, and analyses the experience of three banks and two insurance companies.