Our research (a work-in-progress) highlighted the existence of different microcredit models and differences between guarantee schemes, which are country-specific and influenced by the legal contexts and historical background. The main differences between the guarantee schemes are related to specific legislation, degree of government intervention, guarantee programmes, target market (multisectoral, monosectoral), guarantee products, guarantee beneficiaries, business sectors involved, leverage ratio, loan coverage, guarantee terms, conditions, commissions and so on.
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