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"Think back to your first experience with financial inclusion. Did your first credit card make you a millionaire? Did you start a business with it? Probably not. It probably enabled you to buy something you needed, or gave you a cushion in an emergency—or maybe got you into debt you didn’t need. It does the same thing for the poor, just in smaller increments."
Indian Microfinance: Confusing Scale with Impact - Business - GOOD