Microfinance is one of the means for the poor and low-income people to enhance their standards of living and thus reduce poverty. Microfinance Institutions (MFIs) are organization credit union, down-scaled commercial bank, financial NGO, or credit cooperative that provides financial services for the poor.  Propensity to save is negligible rather negative in most cases. Sustainability of cash flows and affordability over 15-20 years tenors of the loan, is generally an unrealistic assumption. Any prolonged illness moreso in elders of the family adversely effect mortgage affordability.