The nature of the approach used will have impact on the efficiency of finance. Grouping of target groups matches the teachings of Islam and the recommendation to cooperate. Micro-Finance (MF) and Micro-Coops (MC) go hand-in-hand. Any Islamic method of financing, among other things, have to be complied with Islamic teachings. This will vary from community to community, from region to region, from country to country. Socio-economic and cultural status of the target group is vital to improve the efficiency of the micro-finance for both sides.