Appendices (p. 153-172): 1. Summary of primary microfinance service providers in Malawi -- 2. Conference outcomes and recommendations : National Conference on Building Inclusive Financial Sectors in Malawi, held in commemoration of the International Year of Microcredit, 2005 -- 3. Brief report on the IYM national conference. Includes bibliographical references (p.173-178). Available also at UNCDF website (viewed 31 Mar. 2011).