  Since 1994/95, commercial banks have been required to prepare special agricultural credit plans with prescribed annual growth rates.   In 1989, NABARD introduced the Kisan Credit Card (KCC) which a farmer could use to draw credit for all production needs, almost as if on tap, through the production  1  The study takes data from 1990/91 onwards.
After all, the BSP’s financial inclusion mission started with microfinance, in the belief that the poor can contribute just as much, if not more, to the country’s growth and prosperity. In closing, we must do things with a greater sense of urgency and efficiency. We must aim higher and strive to reach out to more Filipinos.