1. Myths and Realities
 Micro-finance empowers  Women need signatures from
women their husbands to access a
 Women access loans for their loan
own use.  80 per cent of women
 Group –lending builds social borrowers pass loans on to
capital their male relatives
 Interest may be high but  Women dislike borrowing in
transaction costs are low. groups
 The transaction costs of
borrowing in groups are low
for MFIs but high for clients