b) The Bank of Ghana on 16th August 2019 completed the clean-up of the banking, specialized deposit-taking (SDI), and non- bank financial institutions (NBFI) sectors which it had began in August, 2017. This exercise culminated in the revocation of the licenses of 347 microfinance companies in the country. Evaluate five (5) factors that are believed to be responsible for the collapse of microfinance institutions in Ghana in recent years