Proper structuring of guarantee schemes, however, require minimizing misperceived risks in lending without undermining the risk management of the lending institutions. (iii)  Transformation of NGOs into MFIs: NGOs need to be encouraged to restructure into themselves into legally established companies, licensed preferably by central bank, so that they can operate under effective and transparent ownership with adequate capital base.
Nevertheless, the development of a medium-term macroeconomic framework for the postcrisis period will be crucial. It will help facilitate the achievement and maintenance of a sound fiscal position and the ability of the monetary authorities to deliver price stability. It will also help foster financial stability.