microcredit firms are likely to be unsustainable

I find that, when microcredit firms raise funds to give out loans, they like focusing on how microcredit can improve their borrowers’ lives. On the platform of P2P, the loans are still considered as “microcredit” in terms of their sizes; however, the borrowers like addressing their capability to pay back their loans instead. I think this is how we differentiate between charity and business.