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In this chapter, I review the links between conflict and microfinance usage. An overview of the mechanisms possibly accounting for microfinance use is introduced. A binary logistical regression of the natural experiment data collected shows a 260% increase in the likelihood to borrow from informal sources if the user has been personally affected by conflict. Reviewing qualitative evidence in turn, the argument that quicker access, low levels of trust in formal mechanism, and hyperbolic time discounting may be the primary mechanisms through which such decisions are made, points to greater demand-side changes than supply side changes.