50,000 per year in 2007, while perhaps not quite middle class, was certainly quite far above the official poverty line. The same concerns about lack of penetration amongst the lowest income group for loans also arise.
To reiterate the question that arises from these data patterns: is this because people can’t access banks or other service providers or because they don’t see value in doing so? This question needs to be addressed if an effective inclusion strategy is to be developed.