Rural Credit in Zambia: Access and Exit

I am grateful for comments from Geoff Lamb, Paul Isenman, and Robert Chambers. ‘Exit’ is a reference to A. O. Hirschman, Exit, Voice and Loyalty, Cambridge, Mass., 1970, and to B. B. Schaffer and G. B. Lamb, ‘Exit, Voice and Access’, Social Science Information, December 1974.