Credit is a human right that should be treated as a human right. If credit can be accepted as a human right, then all other human rights will be easier to establish.

We have a list of human rights - right to food, right to shelter, right to health, right to education, many such items which are considered and accepted as bill of rights. These are to be insured to people. So all nations, all societies try to do that.

The process of breaking down fear was always my greatest challenge and it was made easier by the careful work and gentle voices of my female workers.

There are cultural issues everywhere - in Bangladesh, Latin America, Africa, wherever you go. But somehow when we talk about cultural differences, we magnify those differences.

I was trained to become an economist and I finished my work and I was teaching and did my PhD so I thought I did that. I prepared myself for that kind of road. But then I realized that I had not learned enough to solve the problem of poverty. So I distanced myself from the things that I learned and tried to learn anew about people.

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.

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.