The complaints are as follows: it's not entirely commercially viable in the opinions of some observers because it relies upon subsidies, and arbitrage of low interest money, it's social engineering because of the fiver borrower cell and 16 points of agreement, and it can't solve all aspects of poverty.
I migth add it assumes the poor wish to work and have some skill to market.
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Ἓν οἶδα ὅτι οὐδὲν οἶδα
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