![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjS9-4p7dyhNNAJKjA2-1aE-Vmd22U0lKzNauqutYrt5RORY61v2yGYQbXVh68MsPA5RVWVWgQpp06ZsDpHgM_vswoYTgX7WJvO_FnwSq21ydIfnfwPT-VRpIcCJ_ba6a1wVVxE1Q/s320/microplace.png)
Microcredit in general is a great idea, but by securitizing it, MicroPlace gives you a whole lot of leverage for your contribution. Your “donation” is not seeing your money for 18–36 months and getting 1.5-3% annual interest. (Though actually that rate is looking not that bad in today’s economy.) Therefore, one can afford to put more money into the system than if it were just a gift, which means the organizations have more to loan out.