Access to microcredit and microfinance has been found to promote increased expenditures on education and related improvements in health among poor clients and, in this respect, it can enhance human capital.
12. 获得小额信贷和小额融资后，贫穷客户的教育支出有所增加，他们的健康也有增进。 在这方面它可以增加人力资本。