Poor women are economically active and therefore they are bankable. They should not be considered unbankable.

Since their economic enterprises are small, they could be expected to repay the loan in small installments. This method has enable and can enable a 98% recovery rate.

Poor women are vitally concerned with the livelihood of their households. Therefore, they are the most eligible borrowers, although they have been excluded from mainstream banking.

Banks should look at all aspects of their borrowers and be prepared to advance diverse kinds of loans for a variety of requirements.

Trust in the poor is the sanction for lending. If trust is there, paper work, legal instruments and collateral are secondary, most often to be dispensed with.

Logically, neither the lawyer nor the court needs to be used for recovery.

Borrowers are also savers and we should not forget that. Borrowers become greater savers as their small businesses get established.

Through micro saving, micro credit and micro insurance, poor women are set on the path of self-reliance.

Organization of these poor women is the best guarantor as member sisters give moral strength and confidence to each other.

The relationship between the Bank and borrower is not confined to one transaction. It is a continued relationship of mutual trust.

Development through micro banking can be slow. But it is a sure way to development for the poor.

Organizing effective and successful banking with the poor requires barefoot bankers with a sense of commitment. The usual attitude associated with ‘suited-booted' bankers and bureaucrats has to be given up.

Young people joining such a bank should be properly trained to understand and serve the poor.

There should be an atmosphere of open discussion and regular critical self-examination at staff meetings.