 A policy can be best described as a framework or strategy, giving a broad outline of the direction and proposed development of a particular sector. It is formulated by central government from within a particular ministry to regulate the performance of individual sectors. Policies often focus on creating a strategy which will arrest the decline of a specific sector or redress the imbalances which have occurred as a result of market forces. The challenge in rural finance is for policies that promote the development of a variety of viable financial institutions that are client oriented, mobilise deposits efficiently and provide access to loans for a broad spectrum of farmers, agribusiness entrepreneurs and other rural clients. Agricultural policies are needed which promote the development of profitable farming and these must be supported by road improvements in rural areas. Governments can use their powers regarding taxation, subsidisation, regulation and enforcement to influence the direction of desired developments. Donors also have the potential to influence policy decisions and can play a key role in improving the enabling environment for effective rural financial intermediation to develop. You can browse for resources in the different sub-topics listed on the side navigation bar. Here at the top level you can find a selection of documents that illustrate the process of policy-making and the broad issues with which they may be concerned in the field of financial sector development and rural financial markets in particular. | 
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