Financial inclusion has been one of the key agendas for poverty reduction in development practices since the mid-2000s. However, informal finance has clearly not been completely replaced by formal finance in the Global South. This study examines labor-tying credit, which is one type of informal finance, and based on a case study in the Delta region of Myanmar, the study explores the reason for which it persists despite the promotion of financial inclusion policies.

中文翻译：

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缅甸农村地区信贷与劳动力相互关联交易的持续存在：以伊洛瓦底三角洲 Kanyingu 村为例

自 2000 年代中期以来，金融普惠一直是发展实践中减贫的关键议程之一。然而，在南半球国家，非正式金融显然尚未被正式金融完全取代。本研究考察了非正规金融的一种形式——劳动力捆绑信贷，并基于缅甸三角洲地区的案例研究，探讨了尽管普惠金融政策得到推广，这种信贷仍然存在的原因。