poor people get out of poverty through the provision of capital. Role of foreign donors The role of donors has also been questioned. CGAP recently commented that: "a large proportion of the money they spend is not effective, either because it gets hung up in unsuccessful and often complicated funding mechanisms (for example, a government apex facility), or it goes to partners that are not held accountable for performance. In some cases, poorly conceived programs have slowed the development of inclusive financial systems by distorting markets and displacing domestic commercial initiatives with cheap or free money." Working conditions in enterprises affiliated to MFIs There has also been criticism of microlenders for not taking more responsibility for the working conditions of poor households, particularly when borrowers become quasi-wage labourers, selling crafts or agricultural produce through an organization controlled by the MFI. The desire of MFIs to help their borrower diversify and increase their incomes has sparked this type of relationship in several countries, most notably Bangladesh, where hundreds of thousands of borrowers effectively work as wage labourers for the marketing subsidiaries of Grameen Bank or BRAC. Critics maintain that there are few if any rules or standards in these cases governing working hours, holidays, working conditions, safety or child labour, and few inspection regimes to correct abuses. Some of these concerns have been taken up by unions and socially responsible investment advocates. Abuse In Nigeria cases of fraud have been reported. Dubious banks promised their clients outrageous interest rates. These banks were closed shortly after clients had deposited money and their deposits were lost. The officials of Nigeria Deposit Insurance Corporation (NDIC) have warned customers about so-called "wonder banks". One initiative to prevent people from depositing money to wonder banks is the mini-series "e go better" that warns about the practices of these wonder banks. See also Alternative data Chit fund Credit union Crowdfunding Market Governance Mechanisms Microcredit Microcredit for water supply and sanitation Microfinance in Tanzania Microfinance organizations Microgrant Microinsurance Opportunity finance Pawnbroker Peer-to-peer lending Rotating savings and credit association (ROSCA) Savings bank Social finance WWB Colombia References Further reading De Mariz, Frederic; Reille, Xavier; Rozas, Daniel (July 2011). Discovering Limits. Global Microfinance Valuation Survey 2011, Washington DC: Consultative Group to Assist the Poor (CGAP) World Bank. PDF. O'Donohoe, Nick; De Mariz, Frederic; Littlefield, Elizabeth; Reille, Xavier; Kneiding, Christoph (February 2009). Shedding Light on Microfinance Equity Valuation: Past and Present,