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Formal financial institutions (FFIs) in a developing economy often fail to meet the loan requirements of the poor. It is frequently stated that the poor are non bankable. Given this, several models and structures have emerged for making them bankable.

In recent years there has been a growing concern in many countries, including India, that public health and family planning programs have placed insufficient emphasis on the quality of their services (Ickis 1992; Khan et al. 1994; Mensch 1993; Miller et al. 1991).