However, there was no means for truly testing the amount of diversification in a debt collection. Therefore it has to perhaps not arrive as a shock there currently lots of unanticipated traditional functions in MFIs portfolios in the past 10 years (lender Finland Plc Annual review & company government Report, 2013 ). Case testing was used successfully in several areas of fund, notably to money profiles. The investigation demonstrates the quantity of possibility lowering obtainable through diversification. Bernile, Cumming, and Lyandres ( 2007 ) hypothesize that MFIs have increased focus on the results of improved lender owners procedures on portfolio