I just had one really quick comment to add about the microfinance model, in particular, Grameen Bank in Bangladesh.
What you see happens over time. This doesn't happen right away, but over time the original borrowers in a particular town or village, or something like that, would be reinvesting their savings within their own town, within their own small bank that's owned by the people who have received loans. Then they become the people who are the bankers in their own community through their own savings they have generated, and then they expand that circle of borrowers. They decide who else in the community gets to borrow small loans.
A microfinance model can have a very important aspect of local sustainability, because it builds a very local, very small capacity to access credit for the larger community.