Am I correct in concluding, based on reading your brief, that you seem to take a dim view of things like micro-credits, the development of credit unions, and things like that? My understanding is that there really is no debate about these projects among the development agencies. The UN itself is an institution that I often think is wrong most of the time. On the focus of credit unions, there seems to be an almost across-the-board agreement that it is one important way to help countries develop, yet your brief seems to suggest that you're kind of suggesting that's not the case.
And you asked about evidence. There's a Nobel laureate who in fact won the prize because of his work on micro-credit and the positive impact it has on development and pulling people out of poverty.