I believe there are two parts to that question.
As regards the first part, the idea is to provide technical and technological support to financial institutions so that they can offer financial services appropriate to riskier or more complex problems.
Let's consider the example of agricultural financing. Our partner organizations were doing a lot of financing in rural areas, but were making very few loans directly related to agriculture, in view of the risks inherent in that type of production. What is needed is to propose methodologies, a way of mitigating the risks of their network at the national level, more diversified portfolios, in other words a series of mechanisms. Sometimes we're lucky and we work together with political authorities to provide guarantees or additional funding.
The purpose of that is to reinforce capacities and to develop agricultural financing expertise. Credit training is often offered to agronomists who know the subsidiaries, the sectoral risks and the costs. The same is true of housing and microinsurance. The idea is to include expertise in the institutions to master these new niches. That's where our contribution lies.
As for the other part of the question, there's a lot of awareness and transparency about interest rates. We must ensure that our interest rates are known. When we conduct credit analysis, we must also take information on indebtedness into consideration. If there's no obvious ability to repay, we must deny loans. A lot of financial education is being done in the networks. I say "a lot", but to be frank, it's not the same everywhere. There is a lack of investment in that area. That's an objective that should be achieved in order to avoid leveraging...
I will conclude by saying that this is the problem with microfinance in a number of countries because there is no information. Here there is a credit office, which has information on a borrower's borrowing history, whether that borrower does business with a number of financial institutions. We have no access to that information in those countries. We don't know whether the person has borrowed money from a financial institution. We have to do more research and document our loans. That's why this approach is lengthy and costly. However, it is essential and even mandatory.