The importance of rigorous training of clients to the success of microfinance cannot be overemphasized. The most successful programs and institutions train their staff and train their clients, both initially and in stages, over time. Training includes diverse topics such as customer service, purchasing stock, marketing, time management, bookkeeping and planning for the future. In the end, a successful microfinance institution must achieve the “double bottom-line” – economic growth without compromising their core mission of serving poor clients. This doesn’t come easily and has demanded innovative thinking of these and indeed all microfinance organizations. .