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Hi btilly, I am not an expert in property law in general. I understand it is a contentious issue in much of Latin America, Hernando De Soto's area of focus. I can tell you that many Zidisha borrowers do have formal legal title to farming plots and homes, but they do not use this property as collateral for loans because they cannot afford the risk of losing it.

More broadly, I do not think any one service - property reform, or business growth capital, or health or education for that matter - is a cure-all. All of these services are needed, and each works optimally when the others are present.

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