It was recommended that the MFIs should clearly ascertain the financial situation of households before providing loans to them. This would avoid the credit risk of both MFIs and borrowers. Any decision to receive loans from MFIs should also be clearly discussed between the heads of households and family members.
In this research, some issues pertaining to microfinance were not covered in detail. Additional studies on the following topics are required: (1) Microfinance and the Empowerment of Women; (2) Does Microfinance Really Assist the Poorest Families? and (3) Are Microfinance Institutes More Effective than Informal Money Lenders?