A Capybara bathes in the hot spring water at the Saitama Children's zoo in Higashi Matsuyama city, Saitama prefecture on December 21, 2014. Seven capybaras in the zoo, originally from South America, enjoyed the hot spring water on the chilly winter day in Japan. (Photo by Toshifumi Kitamura/AFP Photo)

A man jokingly poses with a new installation of British graffiti artist Banksy's art in New York, October 20, 2013. (Photo by Carlo Allegri/Reuters)

In Mumbai, the windows of new high-rise apartment blocks, old low-rise residential buildings and shantytown shacks portray the disparity in living conditions and incomes in the Indian city. Rents for a place to live range from more than $2,000 to less than $5 a month. Here: Windows and doors of an old residential building are pictured in central Mumbai October 10, 2014. The cost for buying a residential apartment in Mumbai close to the city centre ranges from 12,000 Indian rupees ($ 200) per square feet to 112,552 Indian rupees ($ 1800) per square feet. (Photo by Danish Siddiqui/Reuters)

France's Christian Lavieille and co-pilot Jean-Michel Polato compete with their Proto Dessoude during the first stage of the Dakar Rally 2013 from Lima to Pisco January 5, 2013. (Photo by Jacky Naegelen/Reuters)

Synalpheus iocasta; Singapore Marine. (Photo by Arthur Anker)

A Pakistani child, whose family was displaced by 2010 floods from a village in Pakistan's Sindh province, sits on a wooden cart outside her family's makeshift home, in a slum on the outskirts of Islamabad, on February 8, 2013. (Photo by Muhammed Muheisen/AP Photo)

The student Patricia Vasconcellos de Almeida, 22, tried to kiss one of the military police who formed a cordon ostensibly in front of the building Fetranspor (Federation of Transport Companies), in Rio de Janeiro, on June 27, 2013. (Photo by Zulmair Rocha/UOL)

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)