I believe it is a good idea to make our graduates independent. If government and non-government organizations can make funds availabe at low interest rate, it will work if not just forget it. I know a lot of gradutes who are willing to establish small scale court yard industries but due to lack of capital their dreams are not met so if the Microfinance facility can be availabe at low interest rate, it will be of great help. I see a great feature in Microfinance and I believe that it can be a means to reducing poverty in Nigeria.