Changes

*:* [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).*:*[http://en.wikipedia.org/wiki/Surety Guarantee], a promise by one party to assume responsibility for the debt obligation of a borrower if that borrower defaults. The person or company that provides this promise, is also known as a surety or guarantor.