Samjhana WagleSince, women are capable to generate regular income from their small enterprises; their dependency on male for money is reduced. Women's confidence and social status has increased after involvement in MC programs. Microcredit, though an effective povrty alleviating instrument, is not suitable for all categories of the poor. For those trapped in chronic poverty, no assets base to protect themselves from the countless webs of shocks, microcredit can be ineffective and sometimes counterproductive. Some cases of Dalit settlement have proved it. Read More Read Less