상환능력을 촘촘하게 평가해 자영업자·소기업운영자 등 대출 수요가 높지만 기존 은행을 이용하기 어려웠던 이들을 발굴해 5∼14%의 금리로 돈을 빌려줬다.
"With a close assessment of their repayment ability, they found those who had high demand for loans, including self-employed and small business operators, but had difficulty using existing banks and loaned them at interest rates of 5 to 14 percent."