What Changes Could Governments and Banks Make to Become Less Discriminatory Towards the Poor?

In our society today the poor never get a fair chance to prove themselves. Banks call them "bad credit risks" and governments in developing countries do nothing to help them get a chance to succeed in life. Millions of poor people around the world can improve their living standards if they had a chance to prove them selves. I have some ideas that governments and banks can do to become less discriminated towards the poor.
One idea is for governments in developed countries to set up agencies in developing countries that that discriminate against the poor. …