Our society tends to focus too much on size. “The bigger, the better,” the usual saying goes. “Size matters!,” others would quip. Often overlooked in our obsession with anything large is the quiet resiliency and efficiency of the little guys. While the big ones get the glory and prestige, the little guys just keep on plugging away and achieve success nonetheless, albeit through a longer route usually.

The same can be said for industries like banking. While the bigger universal and commercial banks have bigger revenues and assets and get all the publicity, their smaller counterparts are no slouch either. Community-based financial institutions like rural banks have developed a niche that enables them to not only thrive in their own market, but practically become indispensable among the poor.

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