Thank you. This is a great insight. It shows the fundamental difference in the process of group formation between VSLAs and MFIs -- the former relies more on long-standing social cohesion of members, and therefore is more empowering especially for women. MFIs (and even banks) can benefit from the linkage, as they can have a pool of potential clients whose credit worthiness has been proven from repeat loan repayment from the SHGs... But I think we also need to emphasize that while SHGs members may enjoy access to loans from MFIs (often higher sizes), this should be a short term objective, and the aim should be for the SHGs need to (eventually) learn to develop such products and services by themselves... Regards, Getaneh