On an international flight, you happen to sit across from the UN Secretary-General Ban Ki-moon (you were upgraded at the last minute). In casual conversation, he finds out that you have taken a course on Economic Development at the college level, and is curious about your perspective on global poverty and on poverty-alleviation schemes, especially microcredit. Present your take on this issue. Explain why microcredit or microfinance may be useful, the ways in which its implementation avoids the pitfalls of other credit sources, its pros, and its cons. Take care to be nuanced in your arguments and use concrete evidence (after all, this is the Secretary General of the UN, and he can fact-check what you say quite easily!).