Micro-finance institutions in the NGO sector in Fiji, for example, started with the FCOSS and Aglow Lautoka in Fiji. These early NGOs assisted in the implementation of micro-credit and savings projects, providing services to communities and villages (ILO, 2006a). The FCOSS runs a Social Enterprise Development and Education (SEDE) programme that aims at “promoting and empowering communities through entrepreneurial initiatives, capacity enhancements and micro-finance services”.