The policies in question can be classified into three levels according to their scope of incidence (IFAD, 2009). At the intermediate level are policies that determine the availability and mechanisms of access to various components of the financial infrastructure and to productive development tools, along with components of the infrastructure and distribution networks that enable small-scale rural producers to increase their productivity, sales and profit margins. Lastly, at the micro level, the relevant policies are aimed at strengthening the capacities of both the users and the providers of financial services, and of the authorities responsible for regulation and supervision of the system. To that end, best public-policy practices are identified by contrasting the experience of five countries in different phases of the process of formulating and implementing comprehensive financial-inclusion strategies.