The Two Sides of Poverty Alleviation

I have come to find that there are two effective ways to alleviate poverty currently being practiced, to fairly good results, around the world.  The first, as I have described in earlier posts, is involved in creating and selling products to those in developing countries to help them increase their incomes.  The other practice is that of microfinance loans.  These are loans made poor people who are unable to qualify for traditional credit typically because they have no credit history and no possessions to ensure that they will pay their loans back.  From what I can tell, the two of these methods have each contributed to helping tens of millions of people out of poverty, if not more.  The questions that I am primarily interesting in now are: what can be done to make poverty alleviation methods more effective?  How can we join these methods of product alleviation to better help the poor?  And, how can we help those poor people who are unwilling to take the risk of accepting a loan or purchasing an expensive product?  If anyone has a good answer to any of these questions, please let me know.