Some 97 to 99% of loans from well performing MFIs are repaid. Poor people are dedicated to repay their loans on time because they have only a very few appropriate possibilities to access loans elsewhere and good repayment is conditional to obtain successive loans. Furthermore, MFIs use social pressure: loans are provided to individuals who organise themselves in groups. If one group member does not repay, the others have to repay for him or her and recover the debt later on from the defaulter. Moreover, the financial discipline of clients is tested at the beginning. During a couple of weeks or months clients have to save small amounts to demonstrate their capacity to put money aside. Finally, repayment schedules are being adapted to the client’s possibilities, often resulting in small amounts to be repaid over several months. This reduces the risk for defaults