The essence of capitalism is expressed in two of its basic features: a) profit maximization and b) market competition. In their abstract formulations none of them was supposed to have anything conspiratorial against the poor. But in real life they turn out to be the "killers" of the poor - by making rich the richer and poor the poorer.

A culture that holds people back should and can be changed.

I am proposing to create another kind of business, based on "selflessness" that is in all of us. I am calling it social business.

The oneness of human beings is the basic ethical thread that holds us together.

Today, if you look at financial systems around the globe, more than half the population of the world - out of six billion people, more than three billion - do not qualify to take out a loan from a bank. This is a shame.

If we are looking for one single action which will enable the poor to overcome their poverty, I would focus on credit

They explained to me that the bank cannot lend money to poor people because these people are not creditworthy.