Minifundistas and landless labourers are completely dependent on the owners of large traditional estates not only for employment but also for credit, marketing, roads and other services normally included in the category of physical or institutional infrastructure. In many customary tenure areas with their subsistence agriculture, as for instance in many countries of Africa, the supporting services structure is either relatively underdeveloped or practically absent. In the individualized tenure areas, as, for example, in countries of Asia, the Near East and North Africa, the separation between the tenure and production structure on the one hand and the supporting services on the other is virtually complete, resulting in distinction between non-cultivating land owner, landless tenant and money-lender-cum-trader, each representing the three different structures. Though in many Latin American countries which have not undertaken land reforms there is growing evidence of incipient separation between the three structures, the supporting services structure is often dominated by owners of large traditional estates ; the credit agencies, which are distinct, are invariably dominated by the estate owners.