Firstly, the target groups of MCPs are the people under poverty level. They are not conscious about their rights. They have no organized voice. So far they suppressed, they cannot protest. Even they have no chance to go to court for legal action. This is the main potentiality for MCPs success. Among this target group, it is easy to get one hundred percent recover violating Human rights. They lead both physical and mental torture among the borrowers. We have to many examples of Human rights violation by the MCPs.



Secondly, the Target group is illiterate and unemployed. They have no business experience and really have no choice on where to invest. As a result, projects are selected by the MCPs but don’t take the liability of failure of the project. Most of the projects are agro based and related with natural calamities so there are many scopes to fail the project, but there is no exemption clause. Their projects have no sustainability. Their non-negotiable mission is to making profit.

Thirdly, In the name of poverty elimination and economic emancipation, people under poverty level are deprived by the MCPs. But the upper class of rural economy, Shopkeepers, Retailer, Compradors, Brokers and rural touts are the beneficiary class of micro--credit.

Fourthly, Daily laborers become slave to the MCPs within the loan period. MCPs take a part of his wage everyday. To escape from their torture, the Daily labourers and Marginal Farmers are migrating rural to urban area.

Fifthly, Small farmers also have bad experience with MCPs. To survive with MCPs high interest rate, small farmers have a trend to become landless.