Dear all, Kindly arrange to send the following article. Our faculty need this one. It would be great to you, if you could send this full text Article. Ford J, Rowlingson K, 1996, "Low-income households and credit: exclusion, preference, and inclusion" Environment and Planning A 28(8) 1345 – 1360 Best Regards, Honnappa Ramannanavar Asst. Librarian IFIM Business School Electronic City Bangalore 100 -- This message has been scanned for viruses and dangerous content by MailScanner, and is believed to be clean.