Financial Small Holder Production: A Comparison Of Individual And Group Credit Schemes In Zimbabwe

The purpose of this paper is to examine the role of farmer organization in the mobilization and administration of agricultural finance. We show that in the communal lands of Zimbabwe, farmer -groups facilitate savings and access to institutional-credit. We also demonstrate that terms of joint liability are the most effective in reducing administrative costs and recovering loans.

A DLM Working Paper on comparisons of credit schemes for smallholder farmers in Zimbabwe.