Thus, it is assumed that the urban poor contribute to the urban centre through their own savings. Yet, those small borrowers almost always repay their loans (and the fairly steep interest charges) on time, which suggests that they find productive uses for the money. The slum dwellers contribute to a more skilled future labour force of the urban and national economy as their children are likely to be more educated than them. Nearly 85 per cent of the sample of respondents had a secondary education or less.