Market based micro credit model is a pricing structure that ensures cost recovery and prevents fund depletion. The planning and cash cycles of these enterprises are relatively short.

Mainstream microcredit findings are now being questioned by the mainstream. Thus, a part of mainstream research systems, stakes and stakeholders, and the vulnerability of mainstream, has gotten exposed. A DFID-funded systematic review concludes: ‘Almost all impact evaluations of microfinance suffer from weak methodologies and inadequate data thus the reliability of impact estimates are adversely affected. Duvendack M, Palmer-Jones R, Copestake JG, Hooper L, Loke.

NGOs are overwhelmed with Micro credit programs in the name of poverty alleviation and up-liftment of poor peoples’ conditions in the countries like Bangladesh. The question of sustainability and reality are two different wings that are missing links somewhere. This study would try to explore that part.

Microphilanthropy websites show people many ways they can make a difference themselves. People can help to solve many problems and support many causes with $1 donations.

Intermediaries are needed between the rural borrower and the financial institutions willing to extend micro-finance. NGOs help rural women to form self help groups and bring financial institutions to villagers’ door steps.