"At present, people who are poor but willing to take the initiative to build up a small business are mostly unable to do so because they are living in economies without cash. They have no hope of obtaining loans of less than 10,000 yuan (US$1,245)through the mainstream rural credit collectives or banks. The result is that there is no kick-start to small enterprises. The able bodied are then not able to find employment and in turn help those who cannot work.