Question 1. Does a large fraction of poor households, in general borrow, money from a formal lending source
such as a bank? What are the informal lending sources listed on the article? What is the relationship between
informal interest rates and the hectare of land owned by a borrower? In which country a considerable share of
loans to the poor is formal? How did that happen?
Question 2. What are listed as infrastructure in the article? Generally, access to electricity and tap water is
greater for the urban poor than the rural poor. Is this true? Explain and identify an exception country. In
countries where the public provision of education and health services is particularly low, do we see private
providers operating? What is the pattern we observe between public and private providers in education and
health care in these countries?

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