Microfinance started as a movement for social justice and women's equality and gave birth to an industry, says Susan Davis. This gave rise to scale, efficiency, and large numbers of people being served -- over 150 million of the world's poorest households. However, as with any industry, ethical concerns do arise in the encounters between microfinance organizations and those that they serve. Davis is the founding president and CEO of BRAC USA, an affiliate of the international development organization BRA, founded in Bangladesh in 1972.