Financing (credit cards, furniture rentals, payday loans, diversity business loans) has not made poor people in rich countries rich.

https://m.youtube.com/watch?v=4LSuZGlqL34

African attitudes and behavior are very different from those of people whose nations have developed technologically in the past 200 years. No amount of loans will teach people how to mix concrete or organize an effective workforce. These are things that people either decide to do on their own or have imposed upon them by a colonial power.

I oppose ensnaring third world nations in debt. Either give them free stuff or let them figure civilization out on their own. "We can help them while making money at the same time" is always a veil for exploitation.