1 “..., micro-lending institutions. Second, potential borrowers presumably face sizable transaction costs...”

2 “... of transacting with agents, especially with respect to depositing, withdrawing, and transferring funds. Agent...”

3 “... of groundwater transactions under payoff uncertainty arising from unpredictable fluctuations in groundwater...”

4 “... of institutions around the world. Group lending claims to improve repayment rates and lower transaction costs when...”

5 “..., and provides marketing services by facilitating the transaction with exporters. The experimental evaluation...”