Contents -- Preface to the Second Edition -- Preface to the First Edition -- Acknowledgments -- 1 - Rethinking Banking -- 2 - Why Intervene in Credit Markets? -- 3 - Roots of Microfinance: ROSCAs and Credit Cooperatives -- 4 - Group Lending -- 5 - Beyond Group Lending -- 6 - Savings and Insurance -- 7 - Gender -- 8 - Commercialization and Regulation -- 9 - Measuring Impacts -- 10 - Subsidy and Sustainability -- 11 - Managing Microfi nance -- Notes -- References -- Abbreviations -- Name Index -- Subject Index.