José Francisco de Conrado, Chairman of MicroBank, tells the story of how one day his assistant told him someone was in reception wanting to talk to the Chairman, not a manager, only the Chairman would do, he said. So the assistant invited him in, and he said he wanted to thank the Chairman personally. He had been working in a supermarket, but with the recession he was made redundant. He really didn’t know what to do. He felt at 55 years old he was on the scrapheap. But, he had an idea.