A banker who is conscious of the bottom line would naturally focus on the large client in preference to the tiny one. How does the moneylender manage? One of the primary motivations for the country to push financial inclusion is to free the excluded from the clutches of the moneylender. How does the moneylender boldly lend where no banker dares to lend?
Because he does not suffer the same impediments! Coming from the local community, the sahukar is well informed on what everyone’s sources of income and wealth are, and how much they can repay. He is quite capable of using ruthless  BIS central bankers’ speeches  1  methods to enforce repayment.