If microfinance practitioners expect financial services to have an impact on incomes –– and a survey of BWTP members suggests this is the case –– then there is sufficient evidence that what the industry is doing now is not working (enough). Yet the industry’s priority is heavily weighted toward more of the same –– increasing access. BWTP survey respondents say that client usage of financial services is far more important than access in contributing to positive changes in clients’ lives, but there has not been the same systematic and concerted effort to find ways to address usage issues as there has been to increasing access.
