Aside:

A new study shows that simple cash transfers to low income individuals generates more benefit than spending the same amounts on providing them with business training:http://www.givedirectly.org/blog_post.php?id=3706879878149292008

This is why we do not divert our resources to provide training to clients. People mostly know better than outsiders how to optimize their use of resources, given their individual circumstances, local market conditions and unique risk management needs.

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