Generate text that refutes this claim: Realistic barriers  There are significant barriers to introducing microfinance. Microfinance can’t reach everywhere; a lack of infrastructure, or poor infrastructure, can mean that microfinance initiatives often can’t reach where need is greatest. Those who are poorest most need money just to get buy, not to invest. They would be unable to repay even tiny loans. It returns to the question of who is the poorest, and what do we know about them - where they are, what they need, and why are they poor?  Secondly, structural constraints limit the ability for microfinance to be sustainable and provide a long term solution. Bad governance, inadequate structures to regulate microfinance, and political instability, mean the theoretical benefits of microfinance may not become a lived reality.  Thirdly, who is involved in the supply? The involvement of multiple actors - NGOs, communities, the state, and private sector, complicates how microfinance is being run and therefore the effectiveness. Tensions emerge with such partnerships as each actor has the different objectives and motivations.
e international africa house would provide access microfinance unbanked
All policies have barriers and potential disadvantages and for a scheme to be rolled out the advantages must outweigh the costs. In the case of microfinance advantages are higher. Microfinance has a low cost for implementation, and can therefore be distributed nationwide. Rolling out microfinance schemes means a majority of the population will become able to access vital services through a flexible loan.  Microfinance not being able to reach everyone is not a reason to enable it for those it can reach. If bad governance prevents sustainability then something needs to be done about governance – it does not invalidate microfinance as a concept. And all those involved in supply do have close enough objectives to run the scheme there simply needs to be compromises to ensure they remain the same.