“…The most direct form of PES-to pay for quantified ES outputs-is a demand-side intervention that can be used to induce the adoption of particular agricultural practices. Many studies indicate that costly or lack of access to credit hinder the adoption and persistence of sustainable agriculture and agroforestry practices in the tropics lac man lbers valos- Sartorio, & Crooks, 2005;Mercer, 2004;Pagiola et al, 2007;S.K. Pattanayak, Mercer, Sills, & Yang, 2003;Shively, 2001;Smith, Dubois, Current, Lutz, & Clement, 1998) and credit constraints are a widely recognized constraint to the adoption of agricultural technologies generally (Feder & Umali, 1993;Sunding & Zilberman, 2001).…”