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...Social finance programme working paper no collateral law and substitutes nd edition b balkenhol h schutte employment sector international labour office geneva table of contents acknowledgements iii acronyms v executive summary vii introduction is lack a constraint for whom causes the functions from lender s point view borrower substitute substitution limitations scope small borrowers does work influence exacerbate credit rationing how do perform widely are being used peer pressure probation interlinked contracts co maker arrangements without intended enforcement findings conclusions glossary bibliography annex survey responses by members donors group...