He won the Nobel prize precisely because his idea changed a lot of poor families' lives. Check out this US based program https://kiva.org/ , could be interesting to you. Note that accountability is a recurring them in this, I am probably beating a dead horse, again.
A project that I am involved in is also looking at this from a different angle. 但我现在还只是在闭门造车，而你有实战经验。Awesome stuff!
