And thanks, Chris for your thoughts on Opportunity International. I'm not sure I quite agree when you say:

I would like OI to engage in a transparent debate as to whether it is anything to do with how to plant a bank in a community; I believe its "entrepreneurial investment bank in SME " model is potentially great in investing in individual entrepreneurs who scale up something truly purposeful - ie spinning as much social good as business good - but that it does not flow http://flowidealism.org with seeing whole communities as its number 1 perforamnce metric.

I'm not sure... because I don't quite understand what it is that you are saying.

And also because I know that I certainly agree with what OI (UK) says in a report that came in my post today:

Many poor Malawians hide their money under a mat, or invest it in livestock and other assets because commercial banks won't accept their small deposits. Most people can't afford formal identification, like a driving licence, to prove their identity.

Even a small amount on deposit can help poor people manage in a time of crisis and plan for their future.

Money in the bank helps others too. Bringing unused capital into circulation makes it available for others to borrow. We have set up the "Saving Grace" Fund to raise £175,000 to help 50,000 poor people in Malawi save this year.

Just £3.50 will cover the cost of a fingerprint-enabled bank card to help someone set themselves up for life.