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In most cases the poor are not without some income. What they lack is the ability to accumulate assets, which is a key ingredient to the creation of wealth and breaking the cycle of poverty (6).
In addition to low earnings, the prime reason for the inability to increase funds and thus increase security of income is that profits or potential savings are often pocketed by moneylenders who charge lofty interest rates, by formal and informal regulatory and enforcement agents/organizations who demand bribes or extort protection money, and by middlemen or other stronger business partners who exploit the poor because they lack market information or the ability to use the market information to increase their own incomes...
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