In addition to micro – lending programs, Fonkoze sponsors major literacy, health care and micro-insurance programs. Its remittances and savings accounts serve more than 200000 people, making it a significant part of the country’s financial system. … 2010; “Reimagining Microfinance ,” Alex Counts, Stanford Social Innovation Review, Stanford Graduate School of Business , 13 May, 2008; “Gender and Microlending – Diveristy of Experience,” – Critical Half / Annual Journal 2004, …