... it.54Marginal Impact of Access to Formal Credit on Household IncomesThe estimated marginal impacts of access to formal and informal credit on totalhousehold annual income, crop income, and seasonal ... implementation of the field sur-vey, data cleaning, and data analysis for the DRD/IFPRI Rural Finance Study. Wethank Karid Chirwa, Tyme Fatch, Swalley Lamba, Samson Manda, and FranklinSimtowe, ... Had-dad, Soren Hauge, Hanan Jacoby, Manohar Sharma, John Strauss, and participants in the Bunda/IFPRI workshop on rural finance held in October 1996 at Bunda, in seminars at IFPRI, and in various...