These are financing services provided to poor and low-income individuals, families and micro enterprises (less than 1-9 employees). The idea of doing business is a project of enabling the poor who need a small initial capital to engage in an income generating activity. Microcredit, in the form of small capital with no guarantee and no guarantees only, is regarded as an effective strategy for the poor to get out of poverty on their own. Apart from this, services such as savings, insurance and money transfers made to those who are outside the traditional loan, deposit, insurance and valid financial system or who cannot reach these institutions are also counted among microfinance services.