"This book has been described as an impressive scholarly work that also points out practical lessons that can be learnt when introducing or operating viable credit schemes for small enterprises. "In his theoretical approach Kavanamur distinguishes himself from other writers in this field by arguing the critical importance of adopting market-based financial principles to ensure sustainability. At the same time the book poitns out that supply of small enterprise credit cannot be left entirely to market operations, as the State has to provide the necessary infra-structure and legal framework for the conditions in which business ventures can succeed. The book also provides a useful survey of literature relating to different types of small enterprise credit facilities in different developing countries and stress the need for culutral sensitivity if schemes are to succeed. A case study is provided of the Bank Rakyat of Indonesia and the book concludes by examining the credit problems faced by Papua New Guinea entrepreneurs - suggesting some palliative measures." -- Scareltt Epstein