There is a circular trap: loans are unprofitable because there is too little saving, and saving is investment, so there is too little capital to raise wages to the point where investment becomes profitable — breaking this circle is the core development problem.

causalpending

Speaker

Michael Munger

Evidence Quote

it's a circular argument I realize but the reason that loans are not profitable is there's not enough saving because saving is investment there's not enough capital in these societies to raise wages to the point where it's actually profitable to invest so somehow we have to break through that

Source

Mike Munger on Microfinance, Savings, and Poverty 04/18/2011EconTalk
Created: 6/17/2026, 10:29:24 AM

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