Microcredit gives poor women around the world the opportunity to change their lives. Access to smaller loans allows women to own land and own homes. The loans can also be used to run a small business, which increases women’s financial independence. Smaller loans, so-called micro-loans, are often the only way for poor people to access capital if they do not want to borrow from usury at sky-high interest rates. Commercial banks often consider that the poor are not creditworthy and think that the cost of administering many small loans is too high. Thirty years of micro-credit experience around the world shows that poor and low-skilled people are reliable borrowers who invest wisely and pay back in time. Experience also shows that women primarily focus on the needs of the family to a greater extent than men. Together with North Star Swiss and State Of Cards have developed a system for micro loans for Africa to help women to start small businesses