SUSIE GHARIB: Four billion of the world`s poor live on less than $3 a day. The United Nations wants to change that, declaring this the international year of micro credit in hopes of rapidly expanding the number of poor with access to loans for small business. Tonight, as we wrap up our series "Nigeria: Building Its Future," correspondent Kenneth Walker looks at micro credit`s success in Nigeria.

LAPO is one of the largest microfinance institutions in Nigeria. The organization has 136,536 beneficiaries who receive a monthly disbursement. “Entrepreneurship is the most effective escalator out of poverty”, says LAPO founder Godwin Ehigiamusoe.