Microcredit in Mexico has strayed from helping the poor to actually burdening them with high interest rates and debt. Originally meant to fight poverty, it has now become a trap for many. About 42% of the population in Mexico is poor, so finding effective ways to combat poverty is crucial. Microcredit, which is different from microfinance, was introduced as a tool to assist those excluded from traditional banking systems. However, it replaced the more effective tool of savings.