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In our first week as Kiva trainees we were taught that microloans are not intended for the very poorest of the poor. Microfinance institutions target the unbankable poor, those who can benefit from a loan for an income-generating activity. There is another level of poverty below that, those who need emergency help for basic human needs. Many MFIs develop alternative services for this segment of the population. At CCT, one of Kiva’s partners in the Philippines,...
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