| The policy area examined in this book is that of education and training in financial management skills. The case is made that if farming families are more familiar with the requirements of formal financial institutions, can supply the right kind of information to them, have the right attitude concerning contractual agreements and can monitor money as it is acquired and spent by the family, then they become more attractive potential clients of the formal financial sector. This would enable more financial institutions to expand their activities in rural areas in a sustainable manner. Alternative ways of promoting these skills are examined - in schools, literacy classes, community meetings, farmer groups or through training courses and individual counselling from agricultural extension workers and the staff of financial institutions.
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El punto crucial en la política del sector agrícola es la rentabilidad del cultivo. Mientras este indicador se mantenga bajo, los préstamos para la producción agrícola serán arriesgados. Es fundamental formular políticas macroeconómicas adecuadas, y predisponer infraestructuras rurales esenciales y servicios de apoyo, tales como caminos de penetración, mercados, investigaciones y ampliación agrícolas. Las políticas agrícolas favorables crean un ambiente en el cual las instituciones financieras privadas quieren brindar servicio a los finqueros.
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