Most needs are met through a blend of saving and credit. Recent studies have also shown that informal methods of saving are unsafe. For instance, a study "those with no choice yet to save in the informal sector are will undoubtedly lose some money presumably around one fourth of what they save there." This parallels the involvement in the West, in which privately-run companies are financed mostly from savings, especially amid start-up. Micro-credit institutions should subsidize their loans through savings accounts that assistance poor people deal with their heap risks. Often, people don't have enough money when they confront a need, so they borrow. A poor family may borrow from relatives to purchase arrive, from a moneylender to purchase rice, or from a microfinance institution to purchase a sewing machine.