I would say that a bank that owns funds has an economic advantage if it occupies a dominant position in the capital market and it faces no restrictions with regard to potential conflict of interest. But when a real mechanism exists that prevents such potential from arising, the bank apparently derives no economic advantage from such a situation.
If we base it on their savings, we can say that microfinance has improved the financial standing of these microentrepreneurs. Together, they have accumulated savings of about P4.5 billion as of December 2015. We have no comparative data for 2002 deposits; compared however to the deposits of as December 2011, this represents a 22% growth.