This research report and the underlying field research and data processing would not have been feasible without the essential and invaluable contribution of the re- search staff of the Bunda College of Agriculture, University of Malawi, and without the contribution of many others in Malawi, at IFPRI, and at other institutions. Fore- most, we are grateful for the assistance of the staff of the Department of Rural De- velopment (DRD) who contributed to the successful implementation of the field sur- vey, data cleaning, and data analysis for the DRD/IFPRI Rural Finance Study. We thank Karid Chirwa, Tyme Fatch, Swalley Lamba, Samson Manda, and Franklin Simtowe, who provided invaluable.
