Broadly, this would involve reforms that would focus on: (i)  Further consolidation and restructuring of the banking sector;  (ii)  Strengthened risk management  (iii)  Developing capacities to cater to unmet requirements of special segments of the economy and catering to diverse needs;  (iv)  Diversification of the financial sector by further development of the equity and debt markets which, while fairly vibrant, need to play a more significant role in meeting the country’s financing requirements.
On the other hand the effectiveness of the delivery of services and right targeting are difficult to achieve without the active involvement and serious efforts of the communities for which volunteers and voluntary organizations are best suited.