Farmers in rural Zimbabwe use a mobile financial management service application tool to monitor their business profits

Low-income students are always looking for ways to finance their education. A new system using “human capital contracts” to pay for higher education isn’t as scary as it sounds.

54 million people in the United States, and 4.5 billion globally, have no credit to their name - making it nearly impossible for them to buy homes, apply for jobs and receive loans. Investors and lenders make an effort to help those with 'invisible credit' scores in financing essentials like homes or cars.

Most insurance companies avoid insuring poor farmers because the transaction costs are too high, but a non-profit in Kenya created a sustainable way to cover them.

Government benefits to aid the poor are frequently left unclaimed, leaving children hungry, young people unable to finish school, and opportunities for stable housing and preventative health care unused. New York City-based program Single Stop connects people to benefits for which they may be eligible. Importantly, Single Stop has served community colleges where disadvantaged students can use the assistance to help get through school.

In prison, most inmates are alienated from social practices and can be a tax burden for the states. The Colorado Correctional Industries is a program that positions inmates in different forms of labor such as making stuffed toys, farming fish, picking fruit, tending livestock, and creating crafts to be sold at grocery stores. The program makes inmates into taxpayers instead of tax burdens and offers skills that are useful for future employment once they leave prison.

In Colombia, traditional cattle pastures have caused soil degradation, deforestation, and desertification. To reconcile this, several thousand acres of land in Latin America have been transformed into a silvo-pastoral system of grazing and raising cattle with agro-forestry. The Colombia-based Center for Research in Sustainable Systems of Agriculture seeks to reduce pasture land by 26 million acres while increasing cattle numbers by 2019.

Soil in Bangladesh is becoming increasingly saline and infertile due to climate change. Bangladeshi farmers have begun using a saline-tolerant rice seed in order to produce an abundant crop despite salty soil.

The non-profit Root Capital created a lending initiative in Mexico which helps mid-size rural farmers gain access to capital, skills, and consumer markets from which they would otherwise be excluded.

A robust population of grizzly bears can be an indicator of healthy land; however, the bears also can destroy grain bins, consume vegetation, and kill livestock. Ranchers work with the Canadian government and local conservation groups to protect their resources with bear-proof grain bins and electric fences.

This is a column on an important new development program in use in at least 40 developing countries: give the poor cash payments, contingent on their use of health clinics and their children’s school attendance, to help break the cycle of poverty.