There is no doubt that providing credit to small farmers involves very large transactions costs and high risks for financial institutions, which means that most small farmers are excluded from formal credit markets. Formal financial markets are subject to failures when serving small farmers which, in principle, provide grounds for Government intervention to promote financial inclusion.
Going 4  forward, we need to reverse this trend and ensure that all Malawians are reached with various financial services and products so that people can intelligently invest their money and also be able to access capital for their various needs.