In addition to cookie_monsta's answer, you also have to consider that a very sizable portion of microcredit borrowers live on a day-to-day or week-to-week budge

In addition to cookie_monsta's answer, you also have to consider that a very sizable portion of microcredit borrowers live on a day-to-day or week-to-week budget. Often times income in will be lumpy whether from a paycheck every two or four weeks or because sales from their micro-business being lumpy as well (e.g. maybe they most of their money at the market on the weekend).