There are of course occasions when forging a consensus is not possible, and then the Council can take decisions by majority, be it small or large, as was the case with the January decisions. Nevertheless, not publishing a voting record allows members to support the decision of the committee, even if they may have personally preferred a different course of action.
Microcredit is a financial innovation which originated in developing countries where it has successfully enabled extremely impoverished people (mostly women) to engage in self-employment projects that allow them to generate income and to begin to build wealth and ultimately to exit poverty.