sentences:  Their participation contradicted the arguments of skeptics who argued that poor people couldn't be relied on to repay their loans, and that no bank could make a profit serving poor Germans.A key problem in microfinance is that it takes nearly ten times as much work and cost to assess, process and manage ten loans worth $1,000, as it does to assess, process and manage one loan worth $10,000.The total income for the financial institution from these two cases is likely to be similar if not identical.