Subject(s): Microfinance in Developing countries. -- Financial institutions in Developing countries. -- Finance in Government policy in Developing countries. -- Microfinance penetration : non-uniform development of micro finance across countries -- Micro finance different to the mainstream : Differences related to scale, style and subsidy, Difficulties for microfinance -- More developed mainstream financial systems are associated with less poverty, Poverty gap data highlights the need for dooper mainstream finance in Africa -- Protecting the values : liberal's usury, Combating prejudice and discrimination