Other complementary factors—most importantly a recipient s entrepreneurial skills—are crucial for making credit more productive. Most poor people do not have the basic education or experience to understand and conduct even low-level business activities. The corresponding shares in Pakistan and Sri Lanka are about 70 and 40 per cent. There is no one single solution to global poverty. The solution must include a broad array of empowering interventions and microfinance, when targeted to the very poor and effectively run, is one powerful tool (Daley-Harris, Pollin and Montgomery, 2007, p. 1).