Finance markets being promoted are introducing risk when insurance, and safety-nets, remain minimal. Investments in housing finance schemes needs to raise questions. Firstly, who organises micro-finance schemes? The idea of positive social capital within the community needs reflection; participation in microfinance is not democratic or available to all (see Jones and Dallimore, 2009).  Second, the provision of loans, and finance, raises concern over future repayment and whether the housing bubble proposed will remain stable. Employment within the informal sector means income is volatile and unpredictable - can housing payments be adapted to irregular income realities when profits are desired?  Incorporating slum dwellers into a financial-market will not remove slums and may simply get the dwellers into debt.