There are thousands of ways to implement Microcredit, and some implementations have been in ways that were already proven to not work very well. But to make mon

There are thousands of ways to implement Microcredit, and some implementations have been in ways that were already proven to not work very well. But to make money. Yunnus/Grameen had some good ideas (read his book) that are not really about the money they give out to poor people. The money is only a way to get the poor people to come to the meetings regularly and follow certain important principles, like "all my children go to school" or "we eat every day three meals" or "we will try to build a stable home made of bricks/tin roof" etc. Seems trivial, but those are important steps. Not to mention the fact that many Grameen credits are given to groups that mutually guarantee their credit! If one person fails to pay back, the others have to pay back for this person. People learn by that to work together and to trust each other (building social capital, the very basis of every lasting economic development, read "F.Fukuyama, Trust - Social Virtues and the Creation of Prosperity" for example). Just handing out little credits will of course not help a lot, but in some situations it may help, so its worthwhile anyway. A next important step would be to make laws in all countries that banks /have to/ give one free savings accounts to everybody. No credit account of course, but a right to have a bank account would be an important and easy to implement step.