The MFIs would usually be well established in the community, which gives them an edge in terms of assessing a borrowers’ ability to repay and enables them to rely on peer pressure and community cohesion to obtain repayment. It can help address the affordability constraint at household level, as it enables them to spread investments over a longer period of time and reduces the impact of the initial cash outlay. From the experience to date, there appears to be a remarkable potential to develop, although this is likely to require support from governments and international financial institutions, in the form of financial support and capacity-building.