Generate text that refutes this claim: Ending poverty through entrepreneurialism  Introducing finance provides communities with access to startup capital. Access to financial capital is vital in several respects for initiating capitalism. Firstly, access to capital enables entrepreneurialism. The poor have business ideas that would benefit both themselves and their community they just require access to capital to invest in such ideas. The Initiative ‘Lend with Care’ is providing access to capital to empower entrepreneurs [1] .  Secondly, the cumulative effect of small-scale savings and borrowing, enabled through microfinance enables individuals, families and communities, to enter markets - of land and property. Being able to buy property and land can enable personal security, dignity, and increasing returns.  [1] See further readings: Lend with Care, 2013.
e international africa house would provide access microfinance unbanked
Can we rely on business to solve social problems? Ultimately the model proposed through microfinance schemes is the creation of a consumer market where risks are already high. This has shown to be one of the key factors of microfinance failing in South Africa (Bateman, 2013). The microcredit provided across South Africa, post-apartheid, aimed to solve social problems - however, it has acted to support risky consumption not investment. With a lack of secure incomes, due to high levels of unemployment, underemployment, and informal employment, the rate of repayment is low. Households have been forced into severe poverty by being provided with credit which they can’t pay back. Even among those who do invest how many of their business ideas will succeed?