Hungary’s Innovation Voucher programme, which helps SMEs engage in innovation with the help of research institutes, universities or independent experts, has also so far not met expectations. Only few firms engaged, and in a range of regions research institutions and universities did not have adequate capabilities to support them. Hungary’s Kiiit programme, which provided micro-loans to low-income groups (mainly from the Roma minority) to foster self-employment, also had a high rate of defaulted loans (around 54% on 31 October 2012).