Fifth, the organisational forms of micro-finance institutions appear varied, though the activities may in some cases include non-financial services. This makes them subject to differing legal frameworks as per the organisational form. Sixth, different State Governments take varying approaches to the microfinance institutions – including subsidising interest rates. The nature and spread of micro-finance movement also differ significantly across States.
Seventh, as per information available, a significant part of the current microfinance activity is related to credit, which is perhaps attributable to both the felt credit needs and the absence of a conscious policy thrust in regard to non-credit related financial services.