More money needed to create job
than to make self employed

order of 20 times more cost in creating job than creating self employed.

money to open store

to buy glass so that he can work in hotel as dish washer

success comes only through a slow and difficult process of failure

to start grameen clone

experiment with local conditions
and to educate staff

extended loans to slum dwellers in city

informal business are illegal in developed countries

give freedom to borrower to let him do his business

charity , like live, can be prison

May interested in ideas
few are willing to initiate micro-credit programm