Notwithstanding, it remains to be seen whether such extreme elective models can achieve the scale necessary to contend with customary microfinance programs. Microfinance analyst David Roodman contends that, in develop markets, the normal interest and expense rates charged by microfinance institutions will in general fall over time. The microlending service is based on this premise, encouraging direct communication between individual lenders and borrowers by means of a web network rather than physical offices. Some resorted to measures such as diminishing their sustenance admission or taking children out of school so as to reimburse microfinance debts that had not demonstrated sufficiently profitable.