Editor,This sounds like one of those problems that really represent market opportunities for training institutions. Instead of complaining about it, AMIR should reach out to their conventional finance counterparts to work on joint design of a HRD strategy and programmes that can best plug their current and anticipated skills gaps and then together sell this to training institutions for their incorporation in their own training offers.Everyone would benefit: the entire finance sector, the training institutions, consumers of financial products and the country as a whole. So instead of bleating about it, come on, get on with it.Mwene Kalinda, KigaliReaction to the story, "Skills gap hinders growth of micro-finance: Report” (The New Times, August 16)