In the old testament of the bible, Exodus 22:25 states that "If you lend money to one of my people among you who is needy, do not treat it like a business deal, charge no interest (NIV, Biblica)." The bible clearly says that you should not abuse the weakness of the poor financially. The poor is deprived from the basic needs they should have in order to sustain their living. They are the unlucky ones, who struggle everyday to survive the lack of food, clothing and shelter. The only resort they have in order to improve their lives, is to find jobs with higher salary (in which they are not capable of). If not, they will avail of the high interest loans from informal lenders, in order to start a business of their own.
Micro-financing was the answer in providing access to credit for the poor. Mohammad Yunus of Bangladesh develop a method of lending for women in their village. He created a model on how they could improve their lives through lending and teach them to be liable to their obligations with friendly terms of payment that they could manage. Indeed, when we have our business, we should not overpower the weakness of the poor. We should complement with their available skills and give them the proper education to succeed in their endeavors. Truly, its hard to separate business from charity, but we need to balance these things for the betterment of humanity.