muhammad nadeem had medical training, but no medications or supplies. a micro-credit from the cooperative financed the construction of a clinic. now, nadeem sees up to 45 patients a day. >> of course, i'm happy. if i didn't have the medications, things would look very different. now i can help people and even earn money doing it. i make them well again! i can't imagine anything more gratifying than someone getting well again with my help. >> during a cholera epidemic last year, nadeem saved many lives. when ibrar husein shah applied for a micro-credit, the community set the condition that he would have to get training. so he got training to be a plumber. and he received a loan to start his own business. today, five years later, he's got four apprentices of his own. without the micro-credit, he says his life would've gone very differently. >> i'd probably be breaking rocks for road construction. i'd have a pick and a shovel in my hands. none of my brothers would've been able to have any kind of training. >> shah had his debt completely paid off within a