Learning points :
These three years were a great time in testing a lot of new activities I have never experienced before, and which I was not sure to master. I learned the functioning of small credit unions and discovered the shortcomings of different credit systems. I critically observed the management of the estate, and I found out that income generation is THE motor of all human activities. This means, that succeeding in providing adequate conditions and facilities for would-be and active entrepreneurs turned out to me the most important ingredient for development work. This discovery largely influenced my further consultancy career and my life in developing countries. The multitude of activities and actions helped me developing attitudes, which look beyond the usual environment and surrounding.