micro finance banks how long would they stay.

MICRO FINANCE BANKS,was born out of the desire to promote small business ,and help improve their access to capital base ,thou its a step in the right direction,but will they stand the test of time considering the Nigerian context,i have had cos to deal with some of them its wonderful expierince,thou the interest is almost the same with big banks, the service delivery is very fast,but many of thier customers default,some of the banks are of qustionable business practise,the rate at which they open every where is questionable,some open in shops,they go about drafting customers to their net with lots of juicy offers,sometimes you begin to wonder would they really deliver?,would they stay long,what if they go crashing and i have their money with me or mine with them what will happen?,i think CBN should tghten its rope around them,and we should be carefull when dealing with them.