One line of action of particular importance in this direction is micro-credit as an instrument for the development or recovery of earning capacity through the creation of job-opportunities of a micro-business nature for individuals excluded from ordinary credit CUSTOMERS Attention to the problems of families The increase in interbank rates (Euribor) that occurred in fi nancial crisis, resulted in diffi culties in making instalments on loan repayments for many families who had taken out mortgages at fl oating rates because the interest rates were higher.