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The so-called debt trap is another component of microfinance that has often been overlooked in the earlier enthusiasm concerning the movement’s transformative advantages. “This is the form of drawback that microfinance [practitioners] needed to unravel because they acknowledged that in formal credit, loads of [difficulties] come up when individuals get stuck in debt,” Rhyne said. “Microfinance is a kinder, gentler type of that, but still a sure share of people will get into hassle.”