micro finance reaching at every house hold through supporting threshold, but there is a question to be studied upon

micro finance becomes easy way to reach at the poor's doorstep, but with time of passage it has been observed that that fund granted to these poor families has not been properly utilised. in number of cases due to lack of proper management & post evaluation of distributed fund, money given to to poor end up in non productive or non generationg income  sectors by them.. has there need some rule or guidlines to be followed for future those non productive grpups/people....