The problems of urban poverty can only be addressed by encouraging the small scale service/manufacturing enterprises which generate employment. Much has been written about the benefits and positive externalities of agglomeration. The cluster based approach to lending is intended to provide a full-service approach to cater to the diverse needs of the MSE sector.
As Peter Drucker, the American Management Consultant has said “we’re in one of those great historical periods that occur every 200 to 300 years when people don’t understand the world anymore, when the past is not sufficient to explain the future”. BIS central bankers’ speeches  5  Conclusion 21. Going forward, the human resources function in banks would be a key differentiating factor.