The microfinance industry began with the intent to help poor clients help themselves. That’s one reason so many microfinance institutions have embraced the Smart Campaign, which strives to embed a set of client protection principles into the fabric of the microfinance sector. This synthesis report (and its related four individual country reports) presents the voices of low-income individuals who shared with us their opinions, hopes, and struggles. For the Smart Campaign, this is just the beginning. We will be working to ensure that these findings fuel further industry dialogue and action. If the microfinance sector is to fulfill its original promise and avoid future problems, listening and responding to client voices is critical.