The expansion and the democratisation of credit all over the globe have been introduced together with sincere and enthusiastic hopes to improve individuals' incomes, smooth consumption and thereby reinforce or stimulate development. However, the overlapping role of credit in conciliating social and economic concerns has become problematic, especially when markets do not meet the desirable efficiency with its provision to the low income population and have to find the intricate path in between over-indebtedness and financial exclusion. Drawing on the tension between these two perspectives,...