Changes

* [http://en.wikipedia.org/wiki/Loan Loan], the borrower initially receives or borrows an amount of money from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. Some sources do not include loans as part of transfers as the borrower is obligated to pay back or repay an amount of money to the lender at a later time (EUREAU, 2012).

** [http://en.wikipedia.org/wiki/Concessionary_loan Concessionary loan], is a loan bearing no interest or a rate of interest that is below the average cost.

** [http://en.wikipedia.org/wiki/Microcredit Microcredit], is a very small loan extended by a bank or other financial organisations that provide services to poor households (Saywell and Fonseca, 2006).