One of the major obstacles that have been identified as impeding the growth of the microfinance sector in Sudan is the stringent demand for sufficient guarantees and securities to cover the risks that can ensue in any business deal. It is well known that small and micro borrowers/entrepreneurs, in general, and women within this category, in particular, have particular difficulty in presenting the needed guarantees simply because they do not possess them. In recognition of the constraining capacity due to collateralization or lack thereof, the Central Bank of Sudan (BOS) commissioned a study on “Collateralization and Guarantees in the Expansion of Microfinance Services in Sudan”. This was assigned to Unicons Consultancy in July, 2007. The Objective being to define and make recommendations on attributes for successful utilization of alternative collaterals and guarantee systems – at end-user level, as well as at the institutional (MFI) level - needed to stimulate greater provision of microf ...