<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31341908</termId><termName>microfinance</termName><termType>PT</termType><termNote><![CDATA[ A range of means of extending credit, such as small loans with no collateral, to nontraditional clients, chiefly impoverished people in undeveloped areas.  ]]></termNote><termCreatedDate>2026-03-30 20:32:12</termCreatedDate><relation><relationType>UF</relationType><termId>31341909</termId><termName>microbanking</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31341910</termId><termName>microcredit</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31341911</termId><termName>microlending</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31318345</termId><termName>finance</termName><termType>PT</termType></relation></term>  </Zthes>