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Finding Success in a Bottle: How Heinz Revolutionized an Industry
Heinz was called everything from the “Pickle King” to “tomato-obsessed,” but perhaps it was precisely this passion for produce that allowed Heinz to create one of the most successful US-based food companies in the world. How did this young boy who was destined to be a brick layer turn the tides around and become one of the most well-known names in corporate America?
Lesson #3: Engage with Your Employees
In 1886, Heinz returned from a trip to Germany. It was an eye-opening journey for more reason than one. Along the way, Heinz had acquired a myriad of different business management ideas that he could not wait to get back to America to begin implementing and experimenting with in his own company. One of those ideas related to the management and treatment of his workers.

V. Non-Material Benefits of Microfinancing
Microfinance initiatives offer more than just material benefits; they can also address issues associated with "non-material" poverty, which includes social and psychological effects that prevent people from realizing their potential.
1.20 Building together: Working Out of Poverty
Attacking poverty and promoting social integration are not the job of any one country or organization acting alone. They form the inescapable common agenda for today’s world.

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3.6 Securing incomes: Working Out of Poverty
Societies at all levels of development face the challenge of organizing systems to provide security against contingencies such as sickness, accident, death of the main breadwinner, disability, old age, maternity and unemployment that make individuals, families and communities vulnerable to poverty. Through solidarity and fair burden sharing, social security systems contribute to human security, dignity, equity and social justice. They are also a foundation for political inclusion, empowerment and the development of democracy. Half of the world’s population is excluded from any type of social security protection, with the rate of coverage varying from almost 100 per cent in some industrialized countries to less than 10 per cent in the poorest developing countries.
Micro-Start Program: Local Technical Services Provider - Impact Study of the Zakoura Microcredit Program
Zakoura Micro-Crédit (ZMC) is the microfinance arm of the Zakoura Foundation, a national NGO devoted to increasing the quality of life of the most underprivileged Moroccans. ZMC provides credit and training to a target market of economically disadvantaged women using a solidarity group methodology. Between its founding in 1995 and September 2000, ZMC had disbursed 82,814 loans totaling 121,489,000 Dirhams. Its current repayment rate is 99.69%
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