These barriers compound the challenge of meeting the growing demand for food, feed and fibre in a sustainable way (IFAD, 2015). This process is the outcome of a structural change driven by increased agricultural productivity where there is sufficient food, and surpluses of labour and even financial resources to support the country's urbanization and industrialization process. So, promoting an inclusive rural transformation process requires formulating and implementing public policies that expand both the spectrum of opportunities offered to small-scale rural producers, as a result of the structural change process, and their capacity to take advantage of these opportunities (IFAD, 2016a). The first, related to access, concerns the availability of financial services in specific localities (Claessens and Perotti, 2007), so lack of access is linked to the absence of financial intermediaries in certain territories (Beck, Demirgug-Kunt and Martinez Peria, 2008).