The access to financial services is necessary for the establishment and development of enterprises of any size and in any country. It is especially difficult for low-income families that wish to start a business. Earlier, the access to microfinance services was considered irrelevant for the general development policy. Now it becomes one of the first global strategies to combat poverty, because micro-finance has a great potential to generate incomes and employment not only at the level of local communities, but also for the national economy. In many countries the base of economy is represented by small enterprises, these are small, often informally organized business structures, owned and managed mostly by people with low incomes. The impact of this economic sector on individuals, households and national economies is huge because the small enterprises are the main source of income and employment for hundreds of millions of people around the world.