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This study examines progress in rural and microfinance in Cambodia, the Lao People's Democratic Republic, and Viet Nam over the past decade, in comparison with industry standards set by international best practices. The study focuses on the policy environment, including regulatory norms and their implementation, as well as support provided to financial infrastructure, and the impact of this environment on the development and performance of institutions providing rural and microfinance services. This examination helps guide government and international development agencies as to which types of interventions can be most supportive of efficient and sustainable institutions that provide financial products and services to the poor, especially those in rural areas.