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Resource allocations in organizations and financial institutions are crucial issue of concern in the 21st century banking, especially when it concerns rural microfinance in Cameroon and most third world countries. Most financial houses faced the problems of lost accumulations without realizing where the losses are incurred. In this study we are trying to find a functional linear approach of how microfinance can minimized the lost incurred using the Simplex Tableau or the Linear programming Model (LP Model). The study makes policy recommendations for today's 21st century banking to foster growth and sustainability and for the benefit of the common man in rural areas in Cameroon in particular and Africa at large.