Much like with bridge-building, it is impossible to calculate the exact level of strain at which the stability of the system is in danger. But, as early as the construction stage, the engineer will use a mathematical model and assumptions regarding certain environmental conditions to calculate plausible values before then factoring in a given safety buffer on either side of these values.
Microfinance has come of age, and the sector needs to discontinue dependence on external catalysts and focus on improving its financial and operating performance by setting targets for borrowers, savers, portfolio quality, and self-sufficiency. Considerable work still needs to be undertaken to ensure that all microfinance banks and institutions are acting responsibly.