Microcredit is the practice of providing small loans to individuals or groups who do not have access to traditional banking services. These loans are typically offered to low-income or marginalized communities to help them start or expand small businesses, improve their livelihoods, or meet emergency financial needs. Microcredit aims to promote financial inclusion and empower people to become economically self-sufficient. While not a cybersecurity term, microcredit is often discussed in the context of digital financial services, where cybersecurity is crucial to protect sensitive data and prevent fraud in micro-lending platforms.