AusAid battle it out with the Government. They offer loans of only $80 - an amount they believe will encourage constructive investment in the future. Perhaps a tractor or some fertiliser to increase production. The regional government is in a hurry though and are dishing-out loans of $400 with lower interest and longer pay back time. Not surprisingly these loans are a big hit, it's a chance to buy a few luxuries too. Yet no-one's celebrating so far in Banyalong. With still no cash economy to speak of and in a region renowned for it's poor soil and harsh frosts, the capital injection is not reaping sustainable rewards quite yet. Many have simply immersed themselves in loans they cannot pay back. While the micro-credit advocates claim their scheme is the path to sustainable wealth, others denounce it as a quick fix. Will this be Banyalong's salvation or ruin?