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The World Bank does not accept responsibility for the views expressed herein which are those of the authors and should not be attributed to the World Bank or to its affiliated organizations. We are thankful to Ed Schuh, Joe Stiglitz, Judith Tendler and Jonathan Morduch for helpful comments and to Colleen Roberts for editorial assistance. In addition, Guasch gratefully acknowledges partial support from the National Science Foundation under Grant #SES-840219.
Copyright © 1986 Published by Elsevier Ltd.