The theme of the fourth edition of the 14th volume of the FSR Forum is Microfinance. In this edition the article by ACE Researchers, Marcello Tonelli and Carol Dalglish is one of three that addresses this delicate issue in terms that are easy to understand by practitioners. The piece questions whether Microcredit can effectively solve the issues micro-entrepreneurs living in poor conditions face. Important to note is that this article only criticizes specific aspects of Microcredit instead of Microfinance as a whole. The authors conclude with a model implemented in Mozambique, which in their opinion forms a good example for other African countries. Read more articles in relation to Dr Tonelli and Associate Professor Dalglish’s research.