Microfinance programs have significant potential for contributing towards improvements of agricultural and other rural sectors investments and operations and empowerments of rural community. However, access to financial institutions such as banks by smallholder farmers in rural areas is limited because …

New learning theory, underpinning the idea of teaching for self-directed learning, provides new conceptions of learning: the self-regulation of learning, the construct-character of knowledge, the social nature of learning, and a dynamic model of intelligence. What conceptions teachers hold may be related …