Thank you very much, Mr. Chair.
Thank you very much to all our witnesses for being here today and for a very interesting presentation.
While listening to the discussions on microcredit, I got the impression at certain points—I may be mistaken—that we were talking about two different realities. Mr. Brohman talked at some length about a type of microcredit that is probably more institutional. He referred to purchase orders, exports, and so on.
Indeed, there is a branch of microcredit that may be more traditional, such as the one I saw in Africa and with regard to which Mr. Tardif was saying that they had to reach the poorest of the poor. This is microcredit that seems much less based on concepts such as acquiring market share, exports and purchase orders. In a small community, the purpose is to be able to buy what you need to make fabric and sell it to your neighbours.
Am I mistaken in saying that we must make a distinction between these two approaches?