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As a micro-finance practitioner and now as investment adviser this issue has come up many a times. It was dealt by giving a different perspective to the concept of production or rather consumption.
"There are certain investments that reduce your const of living substantially and adds to your savings. Because you get a better service, technology or alternative to address a particular cost. Examples are Solar, Biogas, Clean water equipments etc. which reduces the burden of you expenditure kit. Such investments were listed out, economics were worked out and included as production loans. Because for the poor reduction in expenses also is a income per-se.
If you could convince this logic with the MFIs I think we could solve the issue to a great extent