(v)  Developing supportive infrastructure for nurturing financially healthy MFIs/MFBs: It is critical that countries work towards developing proper rating agencies and credit information bureaus to assess risks associated with microfinance operations and their clients.
(vi)  Greater diversification and sales volume: The economics of retail financial services drives managers to evolve a set of standardized products and services to expand the volume of sales and lower average costs. (vii)  Governance of financial institutions: Proper governance of banks/MFIs is essential to safeguard stakeholder interest in particular depositor funds.