Yunus believes that poverty is a threat to peace. He himself and the "Poor Bank" he founded have been fighting to eliminate poverty for decades. The Nobel Peace Prize award speech spoke highly of this: Lasting peace is only possible when a large number of people find a way to escape poverty. The microfinance created by Yunus is just such a way. The Nobel Peace Prize was awarded to Yunus in recognition of his "efforts to create economic and social development from the lowest level of society."

People often ask Yunus what is the point of microloan? His answer is: In the current world, if you don't have money, you can't do anything; if you have money, you can't do anything. On the contrary to the conventional bank's approach of "lending to the rich but not to the poor", small loans "lending to the poor" are the opposite. Poverty does not lend money to wealth.” For those poor people who are empty-handed and need money, Yunus and his "Poor Bank" do not look at their past, but at their prospects, what their potential for future development is, and what they can do. It can be said that their bank is the "poor man's bank". Lending a little money to the poor can change their lives, which is what distinguishes the "Poor Bank" from other ordinary banks. This is why Yunus and his bank's approach is so popular with the poor and their careers continue to grow.

Yunus believes that banks should be open to the poor because the vast majority of them are probably pretty good customers, although some banks still shut them out. Yunus established 16 branch banks in 1983. The continuous development of these 16 branch banks has made Yunus' career achieve astonishing achievements. Through small loans from banks, they not only lifted millions of families out of poverty, but also provided study loans and grants to children from poor families, gradually changing their lives.

In the process of lifting the poor out of poverty through their bank, Yunus realized that it was not them who lifted the poor out of poverty, but a mechanism they created, a mechanism specifically for the poor and for the poor. institutions that develop with the poor. Yunus believes that honor and self-esteem have become guarantees for small loans, and poor people use honest actions to defend their dignity. Microcredit ignited small economic engines at the bottom of society that had been abandoned. Over the past 30 years, the "Poor Bank" has lent a total of US$5.7 billion, with a repayment rate as high as 98.89%. It can be said that it takes into account social equity and economic benefits.