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III. BACKGROUND - Microfinance in Africa
The model seeks to identify a microfinance methodology-model adapted to Africa's specific needs for poverty eradication.

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II. How Can MicroFinance Succeed In Africa?
African microfinance is as diverse as the continent itself. An array of approaches have been used, ranging from traditional group-based systems, to specialised lending by banks and funded by international nongovernmental organisations (NGO) financial intermediaries. Consequently, examples of African microfinance offer an array of lessons of what works and doesn’t work. Drawing from these lessons, and those from non-African examples, OSCAL developed a Microfinance model based on four principles:

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