Luke Personius, 12, waits for a wave as he surfs before school at sunrise in Hermosa Beach, California April 2, 2015. The group of friends surf at sunrise most mornings, then shower outside and walk to school. (Photo by Lucy Nicholson/Reuters)

The shoemaker in Turkey, the potato seller in Vietnam, and the weaver in Bolivia are among the billions of low-income entrepreneurs who make the world go round. They are also the type of people who can benefit significantly from microfinance. Every year, the Consultative Group To Assist The Poor (or CGAP) hosts a photo contest asking entrants to submit photos based around the idea of microfinance.The purpose of the contest is to give amateur and professional photographers a chance to show the different ways that poor households manage their financial lives and make their lives better through financial inclusion. Photo: South Asia Regional Winner – “Bricks Worker”, Bangladesh. A private enterprise worker is working at a brick field. These small businesses are creating new job opportunities for many poor people. (Photo by Moksumul Haque)

Labourers walk near trucks loaded with logs, which are trapped on a muddy road, near an unreserved forest in the village of Igbatoro, southwest Nigeria, August 28, 2014. Wood, a form of biomass, is the sole source of energy for hundreds of millions of Africans who lack access to modern sources of power, and logging, both legal and illegal, remains a lucrative business that has contributed to the rapid shrinking of Africa's rainforests and woodlands. (Photo by Akintunde Akinleye/Reuters)

Graduates jump as they pose for photographs in front of the Tiananmen Gate and the giant portrait of late Chinese Chairman Mao Zedong, on the Tiananmen Square in Beijing, June 19, 2014. (Photo by Reuters/Stringer)

Tribal artists and supporters from the southern Indian state of Karnataka dance outside the residence of Congress Party President Sonia Gandhi during her birthday celebrations in New Delhi, India, Wednesday, December 9, 2015. The Italian-born Gandhi is the widow of former Prime Minister Rajiv Gandhi and has led the Congress party since 1998. (Photo by Altaf Qadri/AP Photo)

Looters scramble in Philipsburg, St. Maarten, Sunday September 10, 1995 for goods in the Ram's department store, which contained mostly food and liquor. No attempts are currently being made by Dutch troops on the island to stop the looting, since few relief supplies have arrived in St. Maarten, which was ravaged on Tuesday by Hurricane Luis. (Photo by John McConnico/AP Photo)

Indian women wearing traditional attire take a “selfie” with an Indian man dressed as King 'Mahabali' during the Hindu harvesting festival Onam celebrations in Bangalore, India, 28 August 2015. Local people put flower mats in front of their houses, to welcome the King Mahabali, a past ruler of Kerala southern India, during the ten-day festival. (Photo by Jagadeesh N. V./EPA)

A little girl rubs her tired eyes during the first day at the lyceum named after Moldovan writer Gheorghe Asachi in Chisinau on September 2, 2024. (Photo by Dumitru Doru/Radio Free Europe/Radio Liberty)