The article looks at how well microfinance institutions in the Philippines are doing financially. It aims to understand the challenges they face and suggest ways to make them stronger. The researchers found that traditional banks don't lend to the poor because of risks and costs. The government has tried to help by creating many credit programs, but the poor still struggle to access financial services. To fill this gap, microfinance institutions like credit NGOs are being used to provide financial help to those in need.