The able bodied poor don't want or need charity.... All they need is financial capital.

Policies are also to blame: the only thing that the governments and people can come up with to give to the poor people is charity. Poor people get hand outs from the state. But this is not a solution to poverty.

Changes are products of intensive efforts.

This is not charity. This is business: business with a social objective, which is to help people get out of poverty.

I have come to believe, deeply and firmly, that we can create a poverty free world if we want to. I came to this conclusion not as a product of a pious dream, but as a concrete result of experience gained in the work of the Grameen Bank.

Poverty is unnecessary.

Money begets money. If you don't have that, you wait around to be hired by somebody at the mercy of others. If you have that money in your hand, you desperately try to make the best use of it and move ahead. And that's generating income for yourself.