FROM THE MARGINSIn 2008, CARD MRI received the Ramon Magsaysay Award for Public Service. While the recognition affirmed our efforts to expand financial inclusion for low-income Filipinos, I have always believed that its true significance lies in what follows. For decades, the Philippine microfinance movement – led by institutions such as NWTF, ASA-Phils., KMBI, ASKI, CARD MRI, and many others – has quietly transformed lives by opening doors to o…