User:Whoami2000/Sandbox

= Article: Microfinance =

Passage
Critics say that microcredit has not increased incomes, but has driven poor households into a debt trap, in some cases even leading to suicide.[citation needed] They add that the money from loans is often used for durable consumer goods or consumption instead of being used for productive investments, that it fails to empower women, and that it has not improved health or education. "Moreover, as the access to micro-loans is widespread, borrowers tend to acquire several loans from different companies, making it nearly impossible to pay the debt back." [53] *


 * Note: the sentence between the quotation marks is my contribution to the paragraph.

Citation provided can be used for the second [citation needed] as well as for my contribution.

Observation
This article requires several changes and citations. The way it is written is too complex for a laic to comprehend.

Hey Whoami2000,

I have found an article that might be helpful for you. It provides search on microfinance and the depression behind it.

Karel Janda & Barbora Svárovská (2010) Investing into microfinance, Journal of Business Economics and Management, 11:3, 483-510: http://www.tandfonline.com.ezproxy.msvu.ca/doi/pdf/10.3846/jbem.2010.24  Hmohamed240997 (talk) 18:38, 25 July 2015 (UTC)

I have found an article that might be helpful for you. it provides search on microfinance and the challenges behind, as well as, what it leads to such as suicide.

Microfinance and the challenge of financial inclusion for development, Professor Jayati Ghosh, Centre for Economic Studies and Planning School of Social Sciences, Jawaharlal Nehru University, New Delhi 110067, India, http://cje.oxfordjournals.org.ezproxy.msvu.ca/content/37/6/1203 Hmohamed240997 (talk) 18:38, 25 July 2015 (UTC)