这个差距的实证证据如下：D应该谁来对金融机构的贷款风险拖欠下的人民。R = 1 + R可以被假定为总利率，在这种情况下，银行无利可图。（一维）RIS补偿了存款人，作为回报，资本的预测边际产品等同于（一维）R，这可以解释上面解释的所有事实（布劳格，1997）。
Most of the poor people in world do not have excess to any of the forms of formal credit which is not present with microcredit. Microcredit is accessible by 200 million people all over the world. The formal sponsored programs developed by the government have been failed because of high default rates and at some situations political giveaways were also present. Discussing about the informal market the rates of lending money are much higher than the rates of deposit. It can be viewed that the interest rates yearly have been 40 to 200% at many parts of the world. In developing countries this lending rate has been at an average interest rate of 78.5% that was present yearly and the cost of capital was 32.5% (Armendariz and Morduch, 2010). In developing countries, the variability of the interest rates has been similar and these statistics prove that in developing and developed countries poor have given much more interest rates than rich people. There are many reasons presented for this reason and these reasons will be discussed in detail. In comparison with poor, rich people pay less interest rate in the confidence interval. In India the credit report shows that in rural areas of the country where people mortgage their lands were supposed to pay interest rates that were between 28 to 124% (Acemoglu, 2008). The cultivations and its pays were between 21 to 40% (Buckner, 2014).
Empirical evidence about this disparity can be as follows: d% is supposed to be the people who come under the risk defaulters on the loan given by financial institutions. R=1+r can be supposed as the gross interest rates and in this case banks make no profit. (1-d) Ris compensated to the depositors and in return the forecasted marginal product of capital was equated to (1-d) R and this can explain all the facts that are explained above (Blaug, 1997).