小编导语：该视频主要讲述了有关小额贷款者越多，对人们而言越有益的内容。贷款是银行或其他金融机构按一定利率和必须归还等条件出借货币资金的一种信用活动形式。广义的贷款指贷款、贴现 、透支等出贷资金的总称。接下来和小编一起来学习关于小额贷款的内容吧！

Small loans, perhaps just 25 dollars,...

小额贷款，也许仅仅25美元，...

...can be enough to start a small sewing business or a bakery.

就足以开始经营一个小缝纫业务或经营一家面包店。

The basic thinking is that it generally works in the sense of lifting people out of poverty.

通常基本的想法是，从帮助人们摆脱贫困的意义上说，它都会起到作用。

Probably the biggest drawback is that it's very hard to scale up on a level that will,...

或许最大的缺点是很难扩大规模水平，...

...it's not gonna eliminate poverty.

…它并不会消除贫困。

It's not the only thing that needs to be done.

这不是唯一需要做的事情。

Robert Engelman with Worldwatch Institute says that microfinance repayment rates have exceeded the average.

世界观察研究所罗伯特·恩格尔曼说,小额信贷还款利率已经超过平均水平。

We were seeing bigger repayment rates working with small groups of women with small amounts of money...

我们发现小群体女性的小额贷款还款利率将会更高…

...than we saw in government-to-government loans, and World Bank loans,...

与我们所看到的政府间贷款和世界银行贷款相比，…

...and certainly loans made to individual men.

当然贷款人为个体男士。

Today, there are thousands of microlenders around the world with tens of millions of customers.

India and Africa are considered the fastest growing markets...

...and the business model is growing.

Grameen Bank founder, Muhammad Yunus says, "The more lenders, the better."

We are inviting them to join in and compete in the market, so that the market becomes stronger,...

...and more competitive so the prices go down, interest rate goes down.

There are risks.

And yet, without the commercial money,...

...without commercial financial institutions,...

...it's never gonna really grow as big as it has the potential to be.