How does the USA’s and Europe’s social culture regarding debt affect the microfinance industry?

Europe, a comparison of Germany (more mature lending economy) and Sweden (an emerging lending market) can be made. These are the under-topics for the paper: 1. What is Microfinance? – An introduction to the topic. 2. Microfinance for Small Businesses – Compare the USA’s and Europe’s microfinance industry. Data/Statistics – Process for finding and securing a microloan. Easy/hard? – Effects on the economy. 3. Microfinance for Individuals – Compare the USA’s and Europe’s microfinance industry. Data/Statistics – Process for finding and securing a microloan. Easy/hard? – Effects on the economy. 4. Technological and Social Effects on Microfinance – How do technological changes affect the microfinance industry? – How does the USA’s and Europe’s social culture regarding debt affect the microfinance industry? – What changes has the microfinance industry brought to technology and society?