These rules and guidelines are pursuant to the provisions of the Financial Institutions act (FIA) 1992. Availability of adequate and efficient financial services to the rural community is an indispensable requirement in the economic development of The Gambia and accordingly financial institutions shall endeavor to extend financial services in different forms directly or otherwise to the sector. These policy rules and guidelines are intended to enhance the development of viable and stable rural financial institutions and thereby strengthen their effectiveness and the quality of the financial services required to meet this development objective. They are not, in any way, meant to replace the provisions of FIA (1992) but to provide interpretation to and articulation of government macroeconomic policies with regard to rural financial services. Should any of the provisions be in conflict with any of those of the FIA (1992) or macroeconomic policies that of the latter two shall prevail.