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Tre for Development Studies, Brighton, Sussex BN1 9RE University of Bath England Email: s.z.johnson bath.ac.uk Institute of Development Studies, 2004 ISBN 1 85864 831 9 ii Summary This paper is based on work conducted by Imp-Act a three-year action-research programme aiming to improve the quality of microfinance services and their impact on poverty. Learning from the experiences of 30 microfinance institutions (MFIs) in four continents, Imp-Act is developing and encouraging the us.

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