The ILO’s Social Finance Programme provides its constituents with advisory services, support programs and policy recommendations that help the poor better cope with risk and take advantage of income-generating opportunities.  It undertakes action-oriented research on specific strategic issues concerning the social dimension of finance (for example, debt bondage, collateralization and the social dimension of financial sector reform).  The Social Finance Programme is also an advocate for financial sector policies that create an environment that is conducive to microfinance institutions.  Three major goals drive the Social Finance Programme’s activities - reducing vulnerability and increasing access to risk management tools, creating jobs through enterprise development, and making financial policies more employment-sensitive.