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Essay text:
When someone claims microcredit has a thousand year history, or a hundred year history, nobody finds it as an exciting piece of historical information.
I think this is creating a lot of misunderstanding and confusion in the discussion about microcredit. We really don't know who is talking about what. I am proposing that we put labels to various types of microcredit so that we can clarify at the beginning of our discussion which microcredit we are talking about. This is very important for arriving at clear conclusions, formulating right policies, designing appropriate institutions and methodologies...
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