“…They can also help generate social capital and networks, providing complementary benefits (Brown & Sonwa, 2015;Caretta, 2014;GGLN, 2014). How financial services are designed has a significant influence on the extent to which that potential can be reached, and there are numerous examples of microfinance organisations failing, either in part or in full, to achieve their stated objectives (see, for example, Carter, de Janvry, Sadoulet, &Sarris, 2015, andYaro et al, 2015).…”