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The objective of the paper is to investigate the complexities that are prevailing in the micro financial system which has recently witnessed foray of digitalization and conceivably suggesting an integrated financial product system biased to demand side as a way forward for policy consideration towards mitigating poverty and unemployment in Ghana. For the said purposes, the study is based on secondary data and published official documents. Further, the filed observations of the principle author who has worked as a branch manager in Ghana have been taken cognizance of the empirical facts while doing in both descriptive analysis and drawing conclusion as well.The major bottlenecks that hinder smooth function of microfinance, include insufficient donor funds to MFIs, lack of proper adherence of rules and regulations improper monitoring system, loan delinquency in the supply side, and continued dependence on traditional money lender regardless of rate of interest poor clients protection and capability differential among 51 the poor clients of MFI in the demand side. For challenging these hurdles, a slew of suggestions which are made for policy considerations include arranging adequate investable fund through institutional linkages, candid identification of target group based on their capabilities as poor, poorer, poorest, designing integrated pro poor financial products and services (credit plus)capability building of the poor through financial and digital literacy and skill up graduation, client protection to the poor till graduation above poverty line, moral suasion to the actors for eschewing higher interest of rate microfinance.The study confirms the presence of challenges and bottlenecks in the MFI management and the need for due diligence for achieving their mission in terms of reduction of poverty and unemployment.

The objective of this paper is to investigate the different types of hurdles limiting the growth and development of microfinance institutions operating in Yemen, and to suggest relevant recommendations that be used as a backup in the process of taking remedial measures. The study is both descriptive and analytical in nature. The data collected is based on both primary and secondary sources. The primary data was collected during the field study of ongoing PhD research study on the role of microfinance in mitigating poverty and unemployment in Yemen conducted in October 2015 by Mr. Ali Alshebami. Only a sample of nine MFIs was selected from The MFIs operating in the market, as the remaining MFIs could not be easily reached due to the prevailing persistent internal war situation. A few of these hurdles include but not limited the existence of insufficient funds necessary for financial business and the availability of poor physical infrastructure in the rural areas. In addition, the shortage of qualified human resources, the poor diversification of products and services, the political instability of the country, the wrong perception about lending to the poor and many others. Among other remedial measures, investible funds and designing of integrated financial products with the inclusion of micro insurance are essential, these two vital ones along with including the International Journal of Social WorkISSN 2332-7278 2017 http://ijsw.macrothink.org 11 financial linkages between MFIs and formal banking institutions should be adopted for more enhancement. The study confirms that there are several difficulties and challenges, which hinder the MFIs from progressing and achieving their mission in terms of outreach to the poor people.

The battle against corona does not confine to only economic resurgence by supplying microcredit to the poor clients in both demand and supply sides of microfinance sector but how to protect them from the offense of the corona in the health perspectives. In other words, imperatively it is warranted that the survival of human beings in the pandemic in the Microfinance sector merits attention on priority in the revival package.  It is therefore surmised that in the process of ushering in a new social order with a resilient ecology in the Microfinance sector, there is a dilemma in awarding priority either for economic revival through the flow of microcredit for releasing financial stress or human survival with the resilient physical capability in the process of recovery from the pandemic. The study, based on secondary data, concludes that Microfinance actors need to consider that economic revival bundle should not confine with a fresh dose of microcredit alone and recovery of it collectively or individually in Microfinance sector without synchronizing a social-oriented bundle in the micro-financial package towards nurturing on health care awareness and for the obedience of obligatory preventive measures namely social distancing, Face mask, washing hands by the poor clients in the last mile. Any assumption on this issue is dangerous. The latter that guarantees the basic survival of the customers from the Corona pandemic, should precede the former one or get integrated simultaneously with it to generate a resilient ecosystem from interdisciplinary perspectives. Otherwise, another Microfinance crisis is forthcoming.