You learn that the savings club is run by a national microfinance institution that offers much larger individual loans – but you need to have taken out many small microloans loans first, to develop a credit history before accessing a big loan.

What should you do?


Save with the club

You joined the savings group to save--and hear about good business opportunities from others. A microloan won't help you get new customers!

Build a credit history

A small loan would enable you to buy and resell tires for a profit on your next bus tour. You decide to try and sign up for the service.