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15. Scope and Perspectives of Microfinance • Over 600,000 villages • Complete population – 1.15 billion • 42% are poor (as per revised Worldwide Poverty Line (IPL) of US $ 1.25 (INR 50) per day • 74% of poor stay in Rural India – one hundred million Households • one hundred twenty million land-holding 65% cropped area rainfed 1.57 hectare – common land-holding *66% Farmers are Marginal Farmer *51.4% Farmers Financially excluded *27% accessed institutional credit score

Nevertheless, it should be borne in mind that this is due to the truth that there are better numbers of white male businesses which can be applying for loans and in a position to succeed. It does not necessarily imply any form of bias within the loan system itself, which have a rigorous and mathematical strategy of determining the success of every individual application. The information is also voluntary as per the SBA disclaimer:

5) Individual responsibility can wither under the calls for of the shopper. Typically the push to act unethically comes from the shopper. How many people anticipate their accountants to pad their expenses where possible? How many purchasers anticipate their insurance coverage agents to falsify their functions or claims? «That’s the temptation-you want your client, you’ve gotten to know your shopper, you actually need to help your shopper out-that’s just another conflicting loyalty,» Duska stated.