For example, in the context of the Ideas for Change programme in Colombia, some communities in more remote areas were initially reluctant to have the government and the research community provide solutions to their needs, due to the lack of trust. During the implementation of the Kiut programme in Hungary, convincing the target group (mostly low-income individuals from the Roma minority with no experience in dealing with bureaucratic procedures) to apply to the programme became an important implementation challenge. This partly explains the fact that, from the original aim of 400 recipients, only 138 finally received microloans. Similarly, during the implementation of the European Progress Microfinance Facility Programme in Lithuania, the bank in charge of providing loans to (mainly female) micro-entrepreneurs had difficulties allocating the funding due to lack of demand (in part due to expensive rates on products): from EUR 5 million available, only EUR 1.91 million were committed.