In this video series-3, Stuart Rutherford, co-author of “Portfolios of the Poor”, talks about the financial products that poor people need from MFIs. He also describes the behaviour of people in managing daily expenses when income is irregular and their vulnerability to emergencies. Stuart diagnose three main elements, namely, managing money on day to day basis, handling emergencies and building large sums of money as the building blocks of financial products or services. He suggests MFIs must develop products that fulfill the criteria of flexibility, immediacy, proximity and emergency.