I am a long time Kiva microfinance lender and agree that microsavings accounts would be preferable to microfinance loans. Saving one's own money is far better than being in debt. And the obvious way to do it globally is with cell phones. Cell phones are becoming ubiquitous around the world, including Africa. http://news.mongabay.com/2005/0712-rhett_butler.html The M-PESA system being developed by Safaricom in Kenya not only provides cell phone communications but also money transfer services and bank accounts to customers. http://www.safaricom.co.ke/index.php?id=250 I think every cell phone buyer should automatically get a savings account and email address along with his cell phone.