As a way to increase the involvement of the financial sector and to enable greater access to finance by micro-entrepreneurs around the country, the RBF in 2010 required all commercial banks to set-up microfinance units at their branches. Commercial banks also established agents in rural areas using merchants and post office agents to facilitate finance activity.
There is a great potential, particularly in the bond market. However, legislation needs to be further improved to pave the way for its healthy development. There is an urgent need for governments at all levels, businesses, intermediaries and investors to realize that escaping from debt repayment 2/4  BIS central bankers' speeches  obligations is not only unethical, but also illegal and even criminal.