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in fact, microfinance
institutions can learn a lot by studying the positive characteristics of informal financial service
providers. But some are fraught with disadvantages — including high cost, poor quality or
undependable availability — which can exacerbate the vulnerability of low-income households.
事实上，小额信贷机构可以通过研究非正式金融服务供应商积极的特征学到很多东西。但是有些充满了缺点——包括成本高，质量差或不实用——加剧了低收入家庭的脆弱性。
如何修改会更精确呢 特别是红色字体的地方
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