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Submitted by DR. DHIRENDRA KUMAR on

That's true..Fact is that most of initiatives are supply driven and hence, do not give desired output..the way froward is financial counselling , assessment of borrowers' needs in respect of finance the skill set and also, their choice and preference.If the 'dosage' is decided as per the specific needs on individual basis, it is most likely to succeed.The outcome will be more certain and sustainable then.