| What 1x1Microcredit is about | What 1x1Microcredit is not about |
| Dignifying support to people to escape poverty | Pitiful charity not driven by the needs of the poor |
| Meaningful credits | Irresponsible banking, greed |
| Using and re-using every euro | Giving money up for one single use |
| Transparency: you know where the money goes, and it is returned to you at the end of the loan period. | Opacity and ambiguity on where the money goes and on overheads |
| Act on the basis of a responsible demand from the poor | Aid that is not related to the needs of the poor. Free stuff to people that might actually do not need it in the end |
| Small loans to people in poverty | Medium or large loans to enterprises |
| Socially responsible investment generating great positive social outcomes | Great profitable investments, competitive in financial markets |
| Active engagement: navigating the database, being part of a community, inviting others, creating groups, … | Passive relationship, nothing beyond lending money |
| Promoting a better understanding of the situation of the poor | Just raising money or capital |
| Development from below as a way to break the poverty cycle | Donor-recipient relationship whereby donor imposes where the investment should go |
| Full use of the power of the Web 2.0: personalization (one by one), low overhead (very cheap), easy-to-use, instantaneous, specific. | Just another NGO, with little degree of control and just general information on where the money goes and the kind of projects. |
