Study after study on credit schemes for the poor confirm that the poor are creditworthy:
o The poor can save, even if only a little.
o The poor have profitable investment opportunities to choose from, and they invest their money wisely.
• The poor are very reliable borrowers and hence a very good risk. Repayment rates of 90% and more are not rare.
o The poor are able and willing to pay market interest rates, so that credit schemes for the poor stand a good chance of becoming viable, self-financing undertakings.