Foreign Affairs committee  Right. Two weeks ago I sat in Kigali, Rwanda, with a group of our clients. There were Muslims and people from the whole community.They're part of our community we work with and serve, and that is part of our mandate: to be very inclusive. We live from a very values-based perspec

Foreign Affairs committee  I've been involved with microfinance for a decade, and I would say the biggest change I've seen globally is savings. The poor identified to us early on that saving was important, but there was nowhere to save their funds, so that's one of the reasons Opportunity International mov

Foreign Affairs committee  We're very values-based, and that comes out of our faith-based orientation. I mentioned the code of conduct; because of that, we're driven to two that stood out, and I wrote them down. We have 10 principles in our code of conduct, including treating all people with dignity, fair

Foreign Affairs committee  CIDA is very results-focused and is driven by impact and outcomes. We went through an audit about a year and a half ago with CIDA. I would say that DFID and USAID likewise focus on outcomes. We have to continually improve the metrics, as Larry mentioned, but working towards sus

Foreign Affairs committee  Conflict in...? Is competition what you're referring to?

Foreign Affairs committee  I think we've recognized there's enough room for all of us in the sector because, Larry, you mentioned a percentage of how many entrepreneurial poor are actually being reached globally. We identify where we can best serve with our services in the countries where we can work. I

Foreign Affairs committee  Very much so.

Foreign Affairs committee  I can speak to that directly for Opportunity Canada. We acknowledge that risk has increased, because microfinance has evolved and now includes consumer loans and non-microfinance purposes. That increases the risk. Just as in Canada, as you have mentioned, irresponsible borrowing