Risk Aversion

This has been the subject of a couple of posts now already, but to me, this is one of the most important questions about poverty alleviation.  How can we help the risk averse, those who are unwilling to take out loans or invest in income generating products, out of poverty?  As I have been trying to determine a thesis topic, this question has been at the center of my search.  I still, however, have been unable to determine a large number of possible solutions to this problem.  This is another opportunity for the 1 and 1/2 people who will read this post now, or those who read it in the future to share any thoughts you may have on the subject.