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Seems to be true in general: a bank with a small loan-to-deposit ratio is a trustworthy bank http://www.nber.org/papers/w23287
Fascinating article; the sort that makes me very happy to be an Economist subscriber. Thank you.
A pity though, if people cannot get access to credit it is much harder for them to invest and make a profitable business. But at least it's a great first step.
How to run a bank in Afghanistan - have a bank run.