#1) Neither of those articles have anything to do with microfinance
#2) Both of them are mostly rhetorical, rather than empirical analyses of where development aid has failed vs where it has helped (if you want an actual good critique of development aid from a market perspective and how development needs to embrace market-based methods of both incentives and accountability try
http://www.amazon.com/White-Mans-Bur.../dp/1594200378--come on what ACer could disagree with chapter titles like "The Rich Have Markets, the Poor Have Bureaucrats."
(if you want an even more damning and cynical view about the poosibility of either any market-based mechanisms or redistribution-based mechanisms as being viable development tools, try
This one
#3) Whether you want to defend any form of subsidies or global wealth redistribution at all, it is an undeniable fact that through IMF blackmailing many developing countries have been forced to open their markets - I think this has been tragic, but certainly those of you that continually point to your maps of more and less economically free countries have the IMF to thank for some changes to "more economically free" over the past 20-30 years even though, in my opinion "more economically free" in the overaching dominant framework of corporate capitalism means "more plutocratic"