In the article "What Works: Lo Pequeño Es Hermoso (Small is Beautiful) - Banks in Mexico say that microloans are helping the poor while boosting their profits"

“Access to capital in developing countries is a vexing problem,”
said Quihuis, who is developing the enterprise as part
of her Stanford fellowship work. “We asked ourselves in
thinking about Indigo: In what way can we take the best
aspects of risk capital and shrink them down to the level that
is reachable by migrants? This community of people, if it
were to pool just a portion of its money, could leverage the
capital against small- and medium-sized businesses and start
pulling whole regions of Mexico out of chronic poverty.”

http://www.changemakers.net/journal/300507/ssir2.pdf