... has beendefined as the operations of savings and credit associations, rotating savings and credit associations (ROSCAs), professional moneylenders, and part-time moneylenders liketraders, grain ... associations, and rotatingsavings and credit associations. In addition, financial transactions also take place betweentraders, friends, relatives and landlords, as well as commercial moneylenders. ... the decision toborrow or not, and from which sector to borrow. Such a decision will depend on, amongother things, the borrower’s economic endowment and opportunities. The credit demandschedule...