''Market failures in rural finance, and related issues of adverse selection, moral hazard, and transaction costs justify targeted interventions to ensure that services reach the poor and the un-banked sustainably. However, while there is general consensus on the 'components' that should go into the computation of interest rate to be charged by a micro-credit service provider (particularly those aiming to achieve the 'double-bottom-line' objective), the 'level' under each component is left to be
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