The article explores how microfinance institutions can improve their performance and reach more people in need. The researchers studied data from Ghana and other countries to understand how different factors affect microfinance outcomes. They found that there is a trade-off between financial sustainability and serving poorer clients, and that making it easier to get loans can help those in poverty. They also discovered that reducing bureaucracy and providing more credit information can make microfinance more effective. Overall, the study suggests that harmonizing microfinance programs, targeting specific groups based on their economic status, and reducing red tape can help microfinance institutions achieve their social goals.