3. Short Answer: In class, we learned that, on average, microfinance does not appear to have transformatively positive (or harmful) effects on the lives of the poor who access it. However, we observe across microfinance contexts that the average borrower does invest microfinance loans in their businesses (c.g, purchasing durable assets) and that it can allow business owners to reduce some of their own time spent working in the business (eg., by facilitating the hiring of an extra employee that assumes some of the workload). In view of these findings, describe two types of borrowers that you think would be most likely to benefit from accessing microfinance (i.e., borrowers for whom the average effects described above might be particularly meaningful). (Note: there is no "right answer" here - feel free to make assumptions about other aspects of borrowers lives to justify your conclusion )