countries is opening up challenges and opportunities for governments that they should consider for smoothing of
rural poverty alleviation. By understanding of these calls the governments have started to develop incentives toward
outreach of necessary financial services to the poor in rural population. Evidence from Uzbekistan has shown that in
general government's incentives in expanding of affordable financial services to the poor were positive, however,
there are still some concerns of reaching financial services to smallholders. In this paper, several financial
innovations and theories have been explored and as an effective financial institution, credit cooperatives are proposed
for linking smallholders to financial services.
3-김경량(최종).pdf
