Monetary policy must be part of the overall macroeconomic policy directed towards these targets, rather than operating on a separate track of addressing monetary variables only. It should be coordinated and aligned with fiscal and exchange rate policies. Since the chosen target must be met within other constraints, interest rate management will not suffice; other instruments will have to be used by the central bank, including directed credit. Policymakers should avoid being fixated on one particular target and should be prepared to adjust targets and instruments depending on the requirements of changing situations. This is especially critical for MSEs and farms that cannot provide collateral for credit and are thus deemed not creditworthy by the banking sector.