The second order effect of enhanced access to  nancial services is,  therefore, a structural shift to higher economic and growth potential for the region (for both individuals and businesses) and, thus enhanced contribution to national economic prospects.
In the context of today’s theme, where the economic essence of being rural does not connote backwardness, but involves a transition to encompass meaningful alternative economic activity that entails income earning opportunities, impactful production and employment creation. In the eld of economic studies, this will be de ned as a shift in the production frontier.