First off, a lot of microcredit programs operate under the assumption that there are large populations of entrepreneurs in countries with long histories of poverty who just need a tiny push in the form of a microloan to unleash their wealth creating power. A lot of EAWs can say with a straight face that their microloans empower people who may be illiterate, innumerate and own no productive assets to start 'microenterprises'.

The problem with this belief is that it's insane.

http://stuffexpataidworkerslike.com/2012/01/23/132-microcredit/