If you go out into the real world, you cannot miss seeing that the poor are poor not because they are untrained or illiterate but because they cannot retain the returns of their labor. They have no control over capital, and it is the ability to control capital that gives people the power to rise out of poverty.
Banker To The Poor: Micro-Lending and the Battle Against World Poverty (ed. PublicAffairs, 2007) - ISBN: 9781586485467