I know micro loans work. I've seen it with my own eyes and had the joy of giving out a small loan and see the business grow. God has created us to be productive and work, and sometimes we just need a little help from others to get some work.
I work with a team of 200+ Christians who train and equip some of the poorest of the poor in the Philippines. We teach sustainable natural farming, along with personal visioning, money management and a lot of other skills including primary health education and values.