François Seck Fall Lereps (University of Toulouse), Associate Researcher at CRES, Dakar, Senegal   Toulouse Cedex, France 31042 France   Francois-Seck.Fall@ut-capitole.fr   http://appliphp.univ-tlse1.fr/LEREPS/spip/       Primary Research Focus: Microfinance and economic development   JEL Areas: O1 : Economic Development: General G2 : Financial Institutions and Services: General