Cites specific research that supports their belief. Does not cite any of the research that suggests microloans do in fact work. And anyway, if they successfull

Cites specific research that supports their belief. Does not cite any of the research that suggests microloans do in fact work. And anyway, if they successfully make a business out of making loans to people that would otherwise not have access to loans, while not negatively impacting those people: good for them.