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How it works: These entrepreneurs are freelance knowledge workers, offering services like blogging, data transcription and website localization to clients both domestic and overseas.

Why it's important: Service businesses are common in wealthy economies, but are still exceptional in developing countries. Service businesses do not consume raw materials or produce pollution. They are a fulfilling career choice because their value depends on one's unique mix of knowledge, talent and experience.

What your loan can do: A loan can allow an entry-level freelance professional to acquire productivity-enhancing equipment, such as a personal computer or high-speed internet connection - allowing him or her to spend more time producing value and less time commuting or waiting in line at cybercafes.