I believe if we are to suceed in the micro loans then members will have to have be serious with work and have personal biz alongside lia CBO projects like soap,candles and other which might be introduced later and not really depending on LIA foundation for all the ideas and resources.This will help them in repaying the loans.And not fail and probably making adifference in the SOL today.

The failure of micro loans some times here is just because many people have a meal aday,no change in diet for weeks,generally poor SOL and because you have secured some loan you end up thinking some changing your SOL immidiately forgetting that it needs to be repaid.This is ageneral problem here in Africa though you have been advised on how to use the micro loans.