In this video, Richard Rosenberg, consultant to CGAP, highlights the biggest findings of “Portfolios of the Poor”. Richard notes that the book changes the earlier perspectives on the impact of microfinance on poor. The main impact of the book is how people use loans and savings. He adds that one thing gets clear; microcredit gives loans to people who have had no access to loans and also provides an opportunity to safe. The biggest finding of the book is that poor not only earn low income but irregular and unreliable one and due to this poor people use financial services more than others.