There are 2.6 billion people around the world who live on less than $2 per day.1 Most of these people living at the bottom of the pyramid lack clean water, healthy food, and affordable health care. Long recognizing these problems, foundations, nonprofits, and governments have spent billions of dollars trying to alleviate them. More recently, microfinance institutions have recognized that poor people lack the capital and financial services that are necessary for economic growth and job creation. …

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