Points of discussion Gender neutrality Women have built trust via a long term relationship with GB. Hence women are chosen based on their prior relationship with GB. MKJ: Gender patterns do emerge from the fact that GB’s best customers are women. AZ: Groups of VPOs “monitor” each others repayments within a village since if one person doesn’t repay on time it reflects badly on the rest of the VPOs in that village Mahinda: even in the Suntel-Ceylinco-Gramin scheme most of the credit-worthy customers are women. On Subsidies Since the cost structures were not available, we cannot say if the handset discounts and airtime discounts, etc.