This article was interesting. Especially the last point about banking systems.

http://news.bbc.co.uk/2/hi/business/6211250.stm

Here are some of the highlights.

♦The richest 2% of adults in the world own more than half of all household wealth,

♦In contrast, some citizens of the rich countries have more debt than assets – making them, the report says, among the poorest in the world in terms of household wealth.

♦Professor Anthony Shorrocks, says it does draw attention to the importance of enhancing banking systems in developing countries to help generate the funds for business investment.

This year I will try out Kiva.