"The stark reality is that most poor people in the world still lack access to sustainable financial services, whether it is savings, credit or insurance. The great challenge before us is to address the constraints that exclude people from full participation in the financial sector… Together, we can and must build inclusive financial sectors that help people improve their lives.‖ UN Secretary General Kofi Annan, 29 December 2003 Announcing 2005 as the International Year for Microcredit