The elaboration on the importance of jobs to microcredit was amazing.Truly the credit can be lent to someone with better managerial capabilities rather than to someone who thinks of earning a daily bread.Surely thought has to be given regarding this issue.I would even be happy if you hint me on more labour intensive low skill sectors as you've already mentioned with the light manufacturing, garments and tourism. Keep the good work on. Koundinya.V.L.N