Portfolios of the Poor: How the World's Poor Live on $2 a Day by Stuart Rutherford, Daryl Collins, Orlanda Ruthven, Jonathan Morduch (Paperback, 2010)

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The stories of these families are often surprising and inspiring. Instead, they employ financial tools, many linked to informal networks and family ties. They push money into savings for reserves, squeeze money out of creditors whenever possible, run sophisticated savings clubs, and use microfinancing wherever available.