Microfinance and micro-credit practices have become a popular means of local development. This research provides an overview of micro finance Latin America and the Caribbean with specific emphasis on Haiti. The thesis contained number of issues related to financial regulation and supervision that could potentially pose obstacles to financial institutions involved in microfinance. This research explores the conditions under which micro credit is an appropriate rural development intervention. Although there are a great number of financial regulations which in one way or another affect the institutions which lend to micro entrepreneurs, the study focuses on those regulations which, while appropriate for most other financial institutions, may have a negative impact on microfinance institutions. These regulations impose restrictions that are particularly costly to institutions involved in microfinance, either by raising the cost of financial service delivery or by not providing the intended reduction in risk to the institution. The research identifies a number of areas in which such biases against microfinance exist or could potentially exist, including, capital requirements, loan loss provisioning, usury laws, documentation, and restrictions on the operations of financial entities. The areas of potential and actual bias are summarized at the end of the paper where some recommendations are also put forward on how to address them.

Chapter 1 - Introduction
1.1. Background
1.2. Overview of Micro-Finance in Developing Countries
1.3. Regulation and policy issues of the Micro-Finance Industry
1.4. Thesis Document Structure
1.5. Limitations and Assumption of the Research
Chapter 2 - Literature Review
2.1. Regulation and Supervision of Microfinance: Issues and Approaches
2.2. Latin America Micro-Finance Crises
2.3. The current situation of the micro-finance in Haiti
2.4. A review of the provisions of the Micro-Financed Regulations:
2.5. Who regulates who and how?
2.6. Results by country in the sub-region
2.7. Analysis of the literature survey: General Approach to Regulation
2.8. Tiering
Chapter 3 - Purpose and Scope of Research
3.1. Research question and methodology
3.2. Motivation & Challenge for choice of subject matter
3.3. Evaluation of the effects of credit access and program participation:
A case study of Haiti Women's Finance Trust (HWFT

Chapter 4 -Analysis
4.1. The current situation of micro finance-finance in Haiti in comparison to the sub-region
4.2. The performance of Haiti MFIs vs. the sub-region
4.3. Demand and use of financial services: A case study in Haiti
4.3.1. Access, demand and use of credit questions answered by household surveys.
4.4. Analysis of how the regulation of microfinance can be successful in Haiti
4.5 The principle in detail
4.5 Principle I: Pooling together peoples resources
4.5.1 Principle II: Relying and building upon what people know (tradition)
4.5.2 Principle III: Reinforcing microfinance to empower the African private sector
4.5.3 Principle IV: Striving for efficiency, which include maintenance of tools and better working habits.
4.6 Analysis of the Strength and Potency of my principle and approach comparable to the existing methodology applied in Haiti
4.6 Why is my approach the solution to the current situation of operation and regulation in Haiti?
Chapter 5 - Proposal to improve innovation in self-employed start-ups through micro-finance
5.11. Regulatory Reform
5.1.2. Business Environment
5.1.3. Commercialization for sustainability
5.2. Commercialisation
5.3. Size and Growth
5.4. Risk
5.5. Cost Structure
5.6. Theories of Governance and Optimum
5.7. Fallacies of the State
5.8. Recommended framework and approach for Haiti and other developing countries
Chapter 6- Conclusions
6.1. Conclusions and Policy Implications
6.2. A genuine regulation will support the provision of services to the poor, rural
areas and the weak?
6.3. The future of micro finance

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