Bandhan is a perfect embodiment of how capitalism can lead to welfare of all parties involved: the lender. the borrower, and of course, the investor. It makes finance available to the underbanked, the segment of population which can move up rapidly with little support. India cannot progress without enabling its rural masses, and that is what Bandhan is doing. The profitable relationship it has formed with rural masses is also the source of its competitive advantage. (In the same way as knowledge of credit history is to a lender)