th complex situation in Africa. “Rural Africa still has a relatively low number of clients reached, which calls for continued efforts to improve rural and agricultural finance.” This conclusion come from Cecile and Manfred, which is based on a survey conducted by the International Food Policy Research Institute (IFPRI) team on microfinance in 1999. Statistic show the country with heavy population(like Nigeria, Egypt etc) usually has lower outreach The lack of real donor commitment to funding micro fiance is also another serious problem. “Given its contextual complexities, Africa is facing daunting challenges in implementing micro finance programmes throughout the southern, eastern and western regions.”(Petronella,2001). For example, The countries which have conflicts like Algeria, Angola, Sudan and Somalia, there are no any MFI in these countries. in Namibia , only very few MFI exist to provide micro-credit services. According to the information source from Namibia Economist, there are COSEDA in Katutura and Khomasdal, NNAWIB in Windhoek, Oshakati and Rundu, Lisikamena in Rundu, CD in Oshakati, and ASDSE nation-wide. But opportunities are always exist. we also noted micro finance sector is developing fast in South Africa, Zimbabwe, Zambia and Malawi. It is creating small business and job opportunity for local poor people. Many evidences show this is an effective way to alleviate the poverty in Africa. This fast growing sector is attracting all kinds of interest from financial无忧论文 【http://www.uklunwen.com】 institutions, funds organizations, research facilities, banks and governments. Considering complexity of poverty reasons, It is impossible to find a unique solution to poverty problem in Africa. It is challenging task to help Africa people to improve their living standard. Microfinance itself can not change people’s living environment like improve infrastructure directly. However, It is a good manner to help the poor construct their community/network which they can get financial help , to gain good experience and knowledge. In the end, this will improve their income and living standard . The most important role of micro-credit is help the poor gain confidence and self-esteem.
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