There are people who are potentially eligible for a loan but do not have the financial backing necessary for economic entities to finance access to these people enough money so that they can cover any need or, if appropriate, be able to start a small business. This is the ground for the emergence of micro-credit, perhaps the most useful and worth mentioning, that even just financial transactions survive amid offers almost bare of the big banks. Remember that not many of these organizations every day that promise lower interest rates, but also put some conditions for loans very difficult to meet by individuals who earn wages only "tight", or even less than that.

Microcredit is very popular in developing countries and are therefore not surprising that the first cases of modern microcredit emerged in four countries have called the third world in the early 70s, two of them located in Latin America: Colombia and Brazil. From these experiences, this began to appear in some nations, entities that are called cooperatives, and in other countries mini financial centers. Such social reasons that microcredit had as its main economic activity for a large segment of the population, soon realized that a huge number of people urged to have economic support to them was denied by the banks, and therefore this flow population began to rely on these burgeoning social entities.

Without the story of microcredit, it is almost certain that many existing companies flourishing in many parts of Asia and Latin America would not have arisen and would have continued, with difficulties and joys in the midst of the financial future of their nations.

Microcredit, which it is considered by many economic analysts as a "slap" to the big financial organizations to consider, to some, discriminatory class will then retain a very fertile ground for planting. And how it involved the microfinance global economic crisis? While not an issue, especially playing in the stock market, the fact remains that there is a balance, though very uncertain, between the real needs of the population and its whims as to microcredit funding.