Preventing over-indebtedness is one of the core elements of the Client Protection Principles in microfinance. These standards require MFIs to properly assess a borrower’s repayment capacity, verify income sources, and avoid lending beyond what customers can manage. This protects clients from falling into debt cycles and ensures responsible portfolio growth for institutions. When MFIs implement CPPs, they promote financial health, stability, and long-term sustainability for both clients and the organization. ? Capacity assessment ? Loan verification ? Avoiding excessive credit ? Financial safety