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We performed in-depth interviews with poor micro-entrepreneurs, lots of which had borrowed from both formal and informal lenders. This latter type of borrower, particularly, drew interesting comparisons. We also interviewed representatives of formal microfinance initiatives and informal lenders, together with mortgage sharks. Tagging alongside to visit loan shark clients, ethnography-fashion, offered the level of insight often absent from purely quantitative research. Moreover, poor corporate governance in these institutions would result in poor repayment charges, high transaction costs and recurring losses, leading the organizations to distress. Deposit-taking establishments, if not regulated or supervised, pose a threat to the monetary system stability, because the safety of deposits mobilized should not ensured. Exploitation of customers by these unregulated establishments would adversely affect the recipients of microfinance and keep the low income and poor segments inside the 'cycle of poverty', affecting the economic improvement of the nation. At the same time such practices would have an effect on the consumer confidence in the monetary sector, together with confidence in the formal regulated sector. For over a decade a number of makes an attempt had been made to enact legislation to regulate the unregulated establishments in the microfinance sector in Sri Lanka.

In terms of the standard of the mortgage e-book, Africa had the poorest with a portfolio at risk ratio of 14%. The overview confirmed that there was a big development in microfinance within the continent. The research further recognized a quantity of things that have influenced the widespread growth of microfinance in Africa. Lastly, the chapter exhibits that the evidence on the impact of microfinance on improving welfare within the continent is inconclusive at best.

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