Small business particularly vendors fall prey to micro finance that we call 5-6 where the lenders are usually Indians riding in motorcycle. They have established a sort of culture that small people here run to them all the time not realizing the heavy interest they have to pay. Like a vegetable vendor who would borrow 5,000 pesos to be used as capital for her small business. She has to pay 100 pesos every day for 60 days to the Indian. So the total she would pay is 6,000 pesos for the borrowed 5,000 hence the name five-six to mean you borrow 5 and you pay 6. But the net interest rate is definitely more than 20% for the 2 months, clearly usury rates. The new president of our country said that he would ban those 5-6 lenders. Let us see.