Some 30 years ago, the field of microfinance was born from a radical concept: poor people, when lent small amounts of money, will pay it back in a timely manner. In the meantime, that money can be put to use in ways that help boost income—goat farming, say, or carpet weaving—and, ostensibly, raise a family’s standard of living. Now another radical concept is starting to take hold: that the thing people really need, more than business loans, is a safe place to save their money.
