Generate text that refutes this claim: Microfinance and protection  Access to a small loan provides benefits for the poor’s ability to access high quality health care. A lack of access to banking facilities - loans and credit - may mean the poor are left excluded from health care services as these are usually not free. Microfinance institutions accept the irregularities of the poor’s income, so enabling health care to be affordable to the poor by providing access to finance. As Ofori-Adjei (2007) shows the integration of microfinance institutions within healthcare systems in Ghana is required to resolve the issue of inaccessibility. Ill health should not put a household into a state of poverty - microfinance provides this protection.  Microfinance schemes not only provide loans to access health care but are now integrating non-financial services, such as health education, within their finance schemes.
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Loans provided are embedded with conditions, which can constrain what an individual can do with the money. A microfinance loan is still a loan, it needs to be paid back, if someone is in poor health for a long period they will run into difficulty. Can saving schemes enable social protection in the long term when the amount saved is just enough to cover one sick person? We need to realistically evaluate what the loan enables, provides, and how long for. To provide real health security a much more comprehensive finance system is needed, such as insurance