The answer to giving microfinance services at an affordable cost may lie in reevaluating one of the crucial assumptions hidden microfinance: that microfinance borrowers require extensive monitoring and cooperation with loan officers so as to profit by and reimburse their loans. Zidisha has figured out how to bring the cost of microloans to underneath 10% for borrowers, including interest which is paid out to lenders. However, worldwide normal interest rates for microfinance loans are still well above 30%. In recent years, the microfinance industry has shifted its focus from the goal of increasing the volume of loaning capital accessible, to address the challenge of giving microfinance loans more affordably.