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)

This aerial picture taken on the night of November 12, 2018 shows traffic on an elevated intersection in downtown Shanghai, China. (Photo by Johannes Eisele/AFP Photo)

A young Sikh boy shouts religious slogans during a procession ahead of the birth anniversary of Guru Nanak in Jammu, India, Wednesday, November 21, 2018. The birth anniversary of Guru Nanak, founder of Sikhism and first Sikh guru, will be marked on Nov. 23. (Photo by Channi Anand/AP Photo)

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)

An Indian boy dressed as Hindu god Shiva to attract alms from devotees chats with tourists as they sit on benches partially submerged in flood waters on the banks of the River Ganges in Allahabad, India, Thursday, July 30, 2015. The Ganges, one of India's largest rivers is flooded following monsoon rains. (Photo by Rajesh Kumar Singh/AP Photo)

A Chinese woman poses for a photo in front of a flower display dedicated to frontline health care workers during the COVID-19 pandemic that was created with other floral decorations in advance of the country's national holidays, also known as Golden week on September 28, 2020 in Beijing, China. China will celebrate national day marking the founding of the People's Republic of China on October 1st.(Photo by Kevin Frayer/Getty Images)

A woman dressed as Santa Claus poses for a picture during the Christmas season in front of a shopping center in Bangkok, Thailand on December 24, 2020. (Photo by Soe Zeya Tun/Reuters)