As far as microfinance is concerned, I've seen a lot of microfinance up close and, certainly, artisans tell us all the time that they're not going to borrow any money unless they have a purchase order. They're not going to go into debt unless they know they can repay that money, because they and their families will simply get further behind.
I think one very important thing to remember is that, just as in our society, you can go out and get a bank loan and do business, but if you can't sell your products and get them to market, you'll end up in debt and be worse off than ever. For us, this points to the fact that along with microfinance—especially for producers who have a product that can find its way into export markets—they need micromarketing as well. Micromarketing is something that Brandaid Project has basically invented, and we're developing that practice.
I forget the second part of what you wanted to understand.