At this point, in order to help those who are tempted to doze off, I must quote Ogden Nash; “Most bankers dwell in marble halls which they get to dwell in because they encourage deposits and discourage withdrawals. And particularly because they observe one rule which woe betides the banker who fails to heed it.
Which is that you must never lend money to anybody unless they don’t need it”. Micro-Finance Sector: I will now say something about the tremendous developments taking place in the Micro-finance sub-sector which developments seem to be unrecognized by observers of the financial sector.