12, 2003 , , . . , , , , . . ? ""-,,. ­ . "" . , , . , , . , , . "",, -- , . , , , , ( ) . , , ,, . ? : · , . , , , , . . · . , . . , (, , ..) , . , , , , , . · ., , , , . ,.,, , . , , , . CGAP 1818 H Street, NW Washington, DC 20433 Tel: 202 473 9594 Fax: 202 522 3744 E-mail: cgap@worldbank.org Web: www.cgap.org CGAP c/o The World Bank 66, avenue d'Iena 75116 Paris FRANCE , , , . , , . : · . , , , , , . · , . , , . · ,, . " ", , , , . · , , . ? · , , . , . · , , (, ) . , , , , . · , , , , . , . . , 2002 . , , . GTZ () , . , USAID, SPEED . . · , . · , , . . · , , . , , . , . : , , CGAP. . , , , (Washington, D.C.: CGAP, 2003). : , : , CGAP Oc- casional Paper No. 4 (Washington, D.C.: CGAP, 2000). , . . , . , (Washington, D.C.: The World Bank, 1999). . . -, ., ? (Kampala: Bank of Uganda/German Technical Cooperation (FSD) Project, 2000). -: www.microfinancegateway.org. CGAP: - alatortue@worldbank.org