Access to financial services, such as savings and micro-credit, is another important aspect of a pro-poor arrangement, linking closely to opportunities for income generation, community development and the development of payment options for poor groups. Participatory needs assessments should have exposed the capacity of different households to save, their livelihood strategies and need for finances, patterns of debt, and the access poor groups have to existing financial services (such as exploitative money lenders). The facilitation of financial services (perhaps through civil society organisations) can play a central role in municipalities and poor communities achieving their objectives. In relation to the physical improvements it can enable otherwise excluded households to opt into a proposed delivery process, it can provide comfort and flexibility for those wishing to improve their services, and it can help to maximise the potential benefits of improved services.