People don't seek out micro-loans to establish sustainable, value magnetizing ventures. They take micro-loans to get through today, tonight, and next week. All micro-lenders I've investigated long enough turned out to be charity-arbitrage. "You got a guilty feeling? I've got some pictures and stories that will make you feel good. You can just click the (your) pain away." They do just enough to keep selling the narrative and sucking the life out of their believers/volunteers while gold-plate-lining someone's ever heavier pockets.

I don't feel charitable if I expect interest to be paid to me or my "emissaries."