The Microfinance Institutions Ordinance 2001 by the State Financial institution of Pakistan defines microfinance services as “the financial and other associated companies specified in section 6, the worth of which doesn’t exceed such amount as the State Financial institution could, infrequently, determine”. A microfinance institution is “an institution, which extends micro credit and allied services to the poor by way of sources other than public savings and deposits”.

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Nobody was talking out about it. It drove me up the wall to the point where I simply mentioned, “You know, I can’t go on like this. We need to get this data [out], not to the elite, practitioners and the academics, however to the men on the street so that they can vote with their wallets and say, “You know what? If I’m going to provide you with cash to your microfinance institution, I wish to know the following things. How are you [selecting] your purchasers? What curiosity charges are you charging? What regulatory protections do you afford your purchasers?” Empower the people who are finally offering the gas for this fire, empower them to know learn how to ensure that their money is getting used correctly and for the advantage of the poor. It’s what the last word investors wish to do, and it’s what the poor need to benefit from. The problem is, is we’ve bought folks within the middle who have a different set of incentives.