Microfinance is a way of lending very small amounts of money to people who are poor, often in countries where banks will not help them because they have no house or salary to show. The idea is that a person can borrow enough to buy a sewing machine, some livestock, or goods to sell, then pay the money back in small pieces and maybe borrow again. It is not a gift and not usually a huge business loan; the sums are small on purpose.

Microfinance isMicrofinance是 a way of lending very small amounts of money to people who are poor一種借非常小額金錢給窮人的方式，often in countries where banks will not help them常見於銀行不願意幫助他們的國家，because they have no house or salary to show因為他們沒有房子或薪水可以證明。The idea is這個概念是 that a person can borrow enough to buy a sewing machine, some livestock, or goods to sell讓一個人能借到足夠的錢買一台縫紉機、一些牲畜，或用來賣的貨品，then pay the money back in small pieces and maybe borrow again然後分小筆分期還款，也許再借一次。It is not a gift and not usually a huge business loan它不是贈與，通常也不是龐大的商業貸款；the sums are small on purpose金額刻意保持很小。

Though actually, the word is wider than just loans. The same system can include tiny savings accounts and simple insurance — but in everyday talk, people mostly mean small loans to start or grow a little business.

Though actually不過其實，the word is wider than just loans這個詞的範圍比借貸還要廣。The same system can include tiny savings accounts and simple insurance同樣的系統可以包含小額儲蓄帳戶和簡單的保險——but in everyday talk但在日常說話裡，people mostly mean small loans to start or grow a little business人們大多是指用來創業或擴大小生意的小額貸款。

It is used in news, development work, and economics, and it sounds serious rather than chatty. It does not mean 'finance that is unimportant', and it is not the same as microeconomics (that is a school subject about prices and choices).

It is used in news, development work, and economics它用於新聞、發展工作和經濟學，and it sounds serious rather than chatty聽起來嚴肅而不是隨性。It does not mean 'finance that is unimportant'它不是指「不重要的金融」，and it is not the same as microeconomics也跟microeconomics不一樣（that is a school subject about prices and choices那是講價格和選擇的學校科目）。