MARIO LA TORRE is currently Full Professor in Banking and Finance and Director of the MA course in Film Art Management at the University of Rome 'La Sapienza', Italy. His publications include Securitisation and Banks, Postbank in Italy and Mergers & Acquisitions in Banking. Recent articles concerning microfinance include Modern Microfinance: The Role of Banks and Ethical Finance and Microfinance. GIANFRANCO A. VENTO is a Post-doctoral Scholar in Microfinance at the University of Rome 'La Sapienza', Italy. He was previously an analyst in the Banking Sup