Are you my friend I just talked to about exactly THIS yesterday? xDDDDI showed her all the gifs that show all this “Kuina is just playing with Tomoya because actually he’s in love with Subaru and just wants to make him jealous - but Tomoya is in love with Kuina”-drama…….

This seminal study by Financial Access and McKinsey explores the global expansion of financial services. Reading this paper in late 2009 was a major catalyst in my decision to establish Kubaru. Great strides have been to increase the access to finance, however opportunities still lie ahead.

The report highlights the following key facts:

2.5 billion adults, just over half of world’s adult population, do not use formal financial services to save or borrow

62% of adults, nearly 2.2 billion, living in Asia, Africa, Latin America and the Middle East are unserved.

A little more than 800 million served adults live on less than $5 per day

Link: http://bit.ly/AwGiZR