The Hidden Truth about Non-Performing Loans is an attempt to discover the realities and reasons of default in micro-finance sector of the world and especially Pakistan. The book covers both aspects of micro-finance and discusses the causes of defaults from Borrower s end as well as credit officer s end who had actually disbursed the micro credit to the default customer in very narrative and easy approach. The author had practical experience in this field so he had expressed his views to show the actual picture of this sector.