Week 15 Reading Reflection

The biggest surprise for me in the reading was the lack of penetration in the market of microfinance. Like the article states, only 19% of the market has been taken over. This is a huge sign of underperformance.

I was confused to why a gang of local thugs intimidated, attacked, and stole cash from some of the loan officers.

The first question I would ask the author is if the market penetration is increasing or decreasing? It would be interesting to see if more companies like SKS sprout up. The second question I would ask would be where do you see SKS in ten years? Will the growth continue?

I think the author was wrong about putting a market penetration percentage of 19% in a bad context. Although it is not ideal, at least there is some growth. I like 19% can be looked at as a good starting point.