Save for one wooden table, three chairs and an old electric fan, there is little else to speak of in the sparsely furnished office.

But the modesty of the Panampuang Prima Agribusiness Micro Financial Institute (LKMA) in Panampuang village, Agam Regency, West Sumatra Province, serves a purpose; the simple room helps potential customers feel comfortable in their surroundings.

"Many people feel 'inferior' when they walk into big fancy banks with all