Chinese banks have pushed Americans

However, the unavailability of credit is not in itself a sign of widespread extreme poverty. It seems that the real poverty of the population is still not critical due to the huge sector of well-functioning of the informal economy. But having the least and "left", but still own income people do not need micro-credit for use.

As outsiders, the probability of non-criminal returns worn-out on consumption credit is low. Who needs a credit? Only those who are ready, as they say, "time out" from the business, or provide a refund is not entirely official means.

In particular, the same Grameen in Bangladesh and some other Islamic countries practice the group guilty for the loans (not legally executed), and reviews on the observer uses the sectarian mafia methods in their work.

By the way, on the Russian market, there are far more extensive evaluation. In particular, the Russian Finance Minister Alexei Kudrin estimates the potential market size of microcredit in Russia 100-150 billion rubles. For an even more ambitious forecasts - 200-250 billion rubles. during 2010-2011.

The question also is that to understand "appraisers" under the micro-credit. The law "On microfinance and microfinance institutions," operates on the amounts in millions of rubles, which certainly can not apply to micro-credit.