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95P30   Schreiner, Mark, "Meta-Rules," ESO #2268, December. [12 pgs.]

95P29   Schreiner, Mark; Graham, Douglas; Miranda, Mario, "The Effects on Peasant Households of Access to Formal Deposits and Loans," ESO #2266, November. [14 pgs] (pdf file)

95P28   Baydas, Mayada M. and Douglas H. Graham, "Capital Structure Determinants among Manufacturing Enterprises: The Case of Developing Financial Markets in Ghana and The Gambia," ESO #2205, February. [27 pgs.]

95P27   Baydas, Mayada M., Zakaria Bahloul, and Dale W Adams, "Informal Finance and Women in Egypt: "Banks" within Banks,", World Development, Vol. 23, No. 4, pp. 651-661. Earlier version appears as ESO #2078. [sc 8] (pdf file)

95P26   Baydas, Mayada M., and Douglas H. Graham, "Financial Markets and the Capital Structure of Manufacturing Enterprises in Ghana," ESO #2232, May. [28 pgs.]

95P25   González Vega, Claudio and José Isaac Torrico, "Honduras: Mercados Financieros Rurales No Formales," ESO #2263, August. [181 pgs.]

95P24   González Vega, Claudio and Rodrigo A. Chaves, "El Diseño de Intermediarios Financieros Exitosos: Evidencia de Indonesia," Debate Agrario, No. 24, December 1995. Also ESO #2250, July. [23 pgs.]

95P23   Gonzalez-Vega, Claudio, and Douglas H. Graham, "State-owned Agricultural Development Banks: Lessons and Opportunities for Microfinance," GEMINI Technical Report No. 89, Development Alternatives, Inc. Also ESO #2245, June. [45 pgs.] (pdf file)

95P22   Gonzalez-Vega, Claudio, "FINCA-Costa Rica: Lessons in Financing Rural Microenterprises," ESO #2246, July. [17 pgs.]

95P21   Gonzalez-Vega, Claudio, "Strategic Options of Commercial Policy for Central America: Basic Guidelines," ESO #2236, May. [29 pgs.]

95P20   González-Vega, Claudio, "Servicios Financieros para la Microempresa: Dificultades y Soluciones Posibles en El Salvador," ESO #2264, November. [46 pgs.]

95P19   González-Vega, Claudio, "Servicios Financieros para la Microempresa: Criterios de Evaluacion y Casos de Exito," ESO #2265, November. [44 pgs.]

95P18   Gonzalez-Vega, Claudio, Microfinanzas en El Salvador. Lecciones y Perspectivas, San Salvador: FUNDAUNGO. [132 pgs.]

95P17   Koning, Antonique, "The Impact of European Union Policies on Fruit and Vegetable Imports from Sub-Saharan Africa," ESO #2211, January. [21 pgs.]

95P16   Lapar, Ma. Lucila A., and Douglas H. Graham, "Microenterprise Credit: Is There a Need for Subsidy?," Selected Paper, 1995 AAEA Annual Meeting, Indiana Convention Center, Indianapolis, IN, August 6-9, 1995, ESO #2229. [13 pgs.]

95P15   Lapar, Ma. Lucila A., Douglas H. Graham, Richard L. Meyer and David S. Kraybill, "Selectivity Bias in Estimating the Effect of Credit on Output: the Case of Rural Nonfarm Enterprises in the Philippines," ESO #2231, May. [32 pgs.]

95P14   Lapar, Ma. Lucila A., Douglas H. Graham and Richard L. Meyer, "The Effect of Credit on Output: Are There Sectoral Differences?," ESO #2230, May. [37 pgs.] (pdf file)

95P13   Meyer, Richard L., and Geetha Nagarajan, "Financing and Marketing Horticultural Exports in Uganda," ESO #2212, February. [42 pgs.]

95P12   Nagarajan, Geetha and Richard L. Meyer, "Collateral for Loans: When Does it Matter?," ESO #2207, February 1995. [40 pgs]

95P11   Nagarajan, Geetha and Richard L. Meyer, "Incorporating Finance into a Modified Sub-Sector Framework as Applied to the Fertilizer Sub-Sector in The Gambia," World Development, Vol. 23, No. 7, 1995, pp. 1115-1127. Also ESO #2080. [sc 8]

95P10   Nagarajan, Geetha, and Richard L. Meyer, "Contract Arrangements in the Fruit and Vegetable Subsector in Sub-Saharan Africa," Paper Presented at the Annual Meeting of the African Studies Association, Orlando, Florida, October 2-6, 1995, ESO #2280, December. [19 pgs.]

95P09   Nagarajan, Geetha, and Richard L. Meyer, "Linking Formal and Informal Financial Arrangements: a Note from The Gambia," ESO #2218, April. [13 pgs.]

95P08   Nagarajan, Geetha, Richard L. Meyer and Douglas H. Graham, "Group Based Insurance and Financial Intermediation: Evidence from the Peri-urban Gambia," ESO #2219, April. [21 pgs.]

95P07   Nagarajan, Geetha, Richard L. Meyer and Douglas H. Graham, "Does Membership Homogeneity Matter for Group Based Financial Services? Evidence from The Gambia," ESO #2254, August. [20 pgs.]

95P06   Nagarajan, Geetha, Richard L. Meyer and Douglas H. Graham, "Designing Rotating Savings and Credit Associations (ROSCAs) for Sub-Saharan Africa: Lessons for NGOs from The Gambia," Quarterly Journal of International Agriculture, Vol. 34, No. 4, October-December 1995, pp. 324-336. [sc 22]

95P05   Nagarajan, Geetha, Richard L. Meyer and Douglas H. Graham, "Effects of NGO Financial Intermediation on Indigenous Self-help Groups in The Gambia," Development Policy Review, Vol. 13, No. 3, September 1995, pp. 307-314. [sc 23]

95P04   Nagarajan, Geetha, Richard L. Meyer and Leroy J. Hushak, "Demand for Agricultural Loans: a Theoretical and Econometric Analysis of the Philippine Credit Market," Paper presented at the AAEA annual meetings held at Indianopolis, Indiana, August 1995, ESO #2233, May. [13 pgs.]

95P03   Schreiner, Mark, and Claudio González-Vega, "Dominican Republic: Analysis of the Clients of Fondo Micro," ESO #2247, June. [77 pgs.]

95P02   Schreiner, Mark, Douglas H. Graham, Nick Vink, and Gerhard Coetzee, "Discrimination by Formal Lenders in South Africa," ESO #2267, November. [17 pgs.] (pdf file)

95P01   Schreiner, Mark, Geetha Nagarajan, and Douglas H. Graham, "Predicting Creditworthiness with Publicly Observable Characteristics: Can Informal Finance Help Reform Formal Finance in Africa?" Paper presented at the AAEA annual meetings held at Indianapolis, Indiana, August 1995, ESO #2220. [12 pgs.]