 Having been adopted in one of the U.N.'s Millennium Development Goals, micro credit initiatives have been seen as beneficial for alleviating poverty.While it has been shown to do this, scholars also indicate that in many cases, micro credit loans can worsen poverty.As observed in the context of India's microcredit crisis of 2010, client poaching occurs where the poorest of individuals are given loans, even if they have little to no prospects of repayment.