This document discusses pricing and marketing issues in microfinance. It begins by defining microfinance as providing financial services to lower-income individuals, mainly the poor and very poor. It notes that 5 billion people live on less than $2 per day. Correct pricing is essential for sustainability but should not be used to cover inefficiency. Pricing methods include cost-based, competition-based, and demand-based approaches. Islamic microfinance requires higher margins due to higher risk and costs. Marketing is also important for microfinance institutions to identify customer needs, tailor products, and examine cost-effective service delivery. Branding can help differentiate institutions, enhance marketing effectiveness, and build customer value. An institutional marketing strategy is needed to focus