On the other hand, there is a group of borrowers with high-DTI loans  that have lower liquidity buffers and lower incomes – these borrowers are more at risk of mortgage stress. So the bottom line is that high-DTI lending is something to watch. But in and of itself, a high-DTI loan is not necessarily more risky in a rising interest rate environment.
For gains in the penny economy, they need suitable financial methodology to service the micro enterprise sector and financial innovations that enable cost effective analysis of credit worthiness, the monitoring of relatively poor clients and acceptance of effective collateral substitutes. Human Resources also need attention given that microfinance programs differ so radically from traditional banking.