Yes, they are, but to answer your question of whether there are enough, there's not a good classification of microfinance programs that distinguishes how effective they are at helping women take advantage of the microfinance opportunities. Generally, the programs that are most successful are those that also provide education in the form of engaging the women in topics that are of real importance to them, such as the health of their children and their own health—particularly as it relates to maternity, breastfeeding, and such—but that also address the kinds of businesses and provide some education in the basics of business for the kinds of very tiny businesses that they typically pursue. The “microfinance with education” programs tend to be fairly effective.
There's certainly not enough of such programs, because there are an awful lot of women who do not have the opportunity to even join. Then of course there is the issue of the men in the households, and that's perhaps a different question.