Given that financial reform has at best had limited developmental effects in the region so far, a research project on 'Financial Integration and Development in Sub- Saharan Africa' has been undertaken at ODI. The aim of the project is to examine the performance of financial systems for resource mobilisation and intermediation for economic development in the region. Field work was conducted in Ghana, Malawi, Nigeria and Tanzania based on questionnaires addressed to formal, semi-formal and informal institutions and borrowers.