The microfinance field has become a place of confrontation between different theoretical and empirical approaches. Microfinance would enable a group of people with widely different characteristics and/or unbanked out of the stranglehold of moneylenders, therefore including them financially and socially. The underlying assumption considers that the seniority in access to microfinance services can improve living conditions and reduce poverty among beneficiaries. The authors challenge this faculty of microfinance, stating that it could lead beneficiaries into situations of debt, and therefore aggravate their already difficult fate. Given this duality of approaches, we assume that there may be a "threshold" at which if nothing is done, the positive effects of microcredit become exhausted and result in the deterioration of welfare recipient. By adopting a descriptive approach, the objective of this paper is to contribute to the understanding of this dimension that is not truly reflected in the literature.