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In USA, the activities of microfinance organizations can be divided into 3 types, each of which works with its audience:

These organizations, according to many experts' assessments, do not fulfill their original goal, affordable loans for the poor, for which they were intended. They receive their profit not on the basis of quality, but on the number of issued loans, so it is better to take a decision on taking such a loan after a very careful weighing of all pros and cons.