Actually, Kiva does exactly that. https://www.kiva.org/ https://www.kiva.org/ > poor can often already get loans of such size and not trigger the upward spira

Actually, Kiva does exactly that. https://www.kiva.org/ https://www.kiva.org/ > poor can often already get loans of such size and not trigger the upward spiral I don't know about that. Almost all loan-based businesses that target the destitute are predatory. I've seen exactly two that were not. Kiva and my college that gave loans of up to $200 to students for short terms.