This article examines differences in the research approaches of farmers and scientists and analyzes how these differences are related to the conditions under which both groups engage in experimental work. Theoretical considerations as well as practical experiences are presented to emphasize the great potential of farmer–researcher collaboration for rural innovation.
This report demonstrates that financial cooperatives can be sustainable providers of financial services in rural areas and development assistance needs to consider supporting them as a means to enhance access to rural finance. It does not suggest that financial cooperatives are the only providers or the preferred channel in all circumstances. For financial cooperatives to function as sustainable institutions, governments need to provide an enabling environment, not exercise excessive control that restricts growth and consolidation, and not use them as channels to provide subsidized credit.