For other countries, some of the solutions that have been put out are lending circles, which provide low-interest loans through local credit unions, and the co-operative movement. Some countries, as you're probably aware, have publicly owned postal banking, so that's a window in the industry that forces the commercial bank rates down because they can no longer collude to boost rates; they have to compete with a public sector bank.
In your initial calls out to other countries, have you seen any of those things as possible solutions for folks who need to have these loans but need to not have to pay an arm and a leg to access credit?