One of the principles of microfinance is that, by extending credit, microlenders allow people to get out of a bare-survival relationship with moneylenders: a situation where subsistence is all that’s achievable. This blocks entrepreneurship. Extending credit allows the “breathing room” for a human being to actually start a business and grow it. This is why organizations like Kiva are so powerful in effecting change.
Too often people in business box themselves into a survival situation. In a highly political and challenged corporate environment, many times the only way to survive is not to stick your head above the waves. Do what’s expected; please the right people; and when the next round of cuts comes you will be ‘safe”. (This, by the way, being one of the worst definitions of “safe” I have ever heard.)
In a survival situation there is no room for creation. Career survivalists don’t make great things. Disruption could get them in trouble. They huddle in the bunker waiting for the loud noises to stop.
Don’t be a survivalist when you have the precious privilege and freedom to create change.