Microfinance is the practice of providing financial services to low-income clients who are typically excluded from the formal banking sector. These products typically include small loans, sometimes as modest as $100, to people to start a business but increasingly savings accounts and insurance products are offered. Customers access these services through financial organizations called microfinance institutions (MFIs) and use the loans in different ways: some purchase a bicycle to transport vegetables to a market, or use the money to buy fertilizer for their crops, or a sewing machine to start a tailoring business. However, they all have one goal: to make a decent living and support their families’ basic needs. Many are able to send their children to school for the first time, allow all family members to eat three meals a day or make seemingly small home improvements that can actually have a significant effect on the health and well-being of a household such as replacing a mud floor with a cement floor.