The success of non-profits stems from the support of social investors, whether individuals or institutions, who have turned to microfinance in a big way: in 2007, such investors put $4 billion into microfinance (CGAP, 2008), a total that has been rising fast. Social investors range from international financial institutions like the World Bank’s International Finance Corporation to major mutual fund families like TIAA-CREF, in addition to individuals investing $100 or so (at zero financial return) through internet-based sites like . But even if called “investors,” ultimately they also provide subsidies (equal to the size of the investment multiplied.