its original function was to provide funeral services and to support bereaved family members morally and financially but its scope is now much wider abay kahsay and berhane in lesotho the cash transfer had no impact on credit borrowing or debt daidone davis dewbre and covarrubias also paraguays tekopara programme had a positive impact on access to credit but only for the moderately poor not the extremely poor beneficiary households had on average percent higher access to credit than nonbeneficiary households