Coffee plantation financed by a loan from BIMAS microcredit, Kathangiri, Kenya, East Africa, Africa

Microfinance and saving group in Our Lady of the Immaculate Conception church, Tohoue, Benin, West Africa, Africa

David Mucangi Mbogoh showing tea leaves on a farm he runs financed by a loan from BIMAS microcredit, Kathangiri, Kenya, East Africa, Africa

India rathinamal, 40, -rearer, sungarampatty village, tamil

Margaret Nderitu, a client of KWFT microcredit, picking tea. She has been with KWFT since 2005, and has reimbursed more than 10 loans (school fees, business, hospital & farming loans)

Farmer Polly Mukami (picking tea) is servicing a 80,000 KS loan from BIMAS microcredit. She has been a client of BIMAS since 2004

Farmer Lincoln Kimanthi Mugo (picking tea) is servicing a 80,000 KS loan from BIMAS microcredit. He has been a client of BIMAS since 2004

David Mucangi Mbogoh (showing tea leaves) runs a farm financed by a loan from BIMAS microcredit. He has been a client since 2002 and is currently servicing a loan of 1 million Kenyan shillings

Margaret Nderitu, a client of KWFT microcredit, handling harvested tea in the growers' cooperative pickup point