From Bloomberg Businessweek:
Moses Githua has no steady work. He pulls in money from odd jobs, tucking away what he can each month. Githua, who lives in Nairobi, is what development researchers call “unbanked”: He lacks access to a traditional banking system that would allow him to save, invest, or take out a line of credit. “As recently as a couple of years ago, people in the development community would say, ‘People are poor, they can’t save,’ ” says Bill Maurer, who runs the Institute for Money, Technology, and Financial Inclusion at the University of California at Irvine. “But you see around the world that everyone has bottles full of quarters, a wad of bills in the granary.”

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Photo courtesy of Alissa Everett, Bloomberg Businessweek